Capital One SavorOne vs. Quicksilver: Which Is Better?

Capital One SavorOne vs. Quicksilver: The choice seems to be simple. SavorOne offers up to 3% cash back, and Quicksilver only 1.5%. Both are free to use and offer sign-up bonuses. But which one will actually be better for you?

Read on to decide for yourself—

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Capital One Quicksilver vs. Capital One SavorOne

Let’s start with the basics:

Capital One Quicksilver Rewards card

Capital One Quicksilver Cash Rewards card is your go-to choice for easy cash back on everything you buy. 

It’s perfect if you’re all about simplicity and effortless rewards without diving into complex points systems or categories.

Pros

Cons

Capital One SavorOne Rewards card

Capital One SavorOne Cash Rewards card is your trusty sidekick for earning cash back on food, fun, and more. 

Designed for foodies and entertainment lovers, it’s a top pick when you want to rack up rewards specific to your dining and leisure experiences.

Pros

Cons

Read more:

SavorOne vs. Quicksilver: How Do They Compare?

Now we’ll dive into the details of these cards, starting with how much you’ll have to fork out in fees:

Quicksilver vs. SavorOne: fees & rates

You can tell both SavorOne and Quicksilver belong to the Capital One family just by looking at the fees, right?

Now on to the rewards—

SavorOne vs. Quicksilver: rewards

At a glance, both SavorOne and Quicksilver have cash back rewards with no expiration or cap, but they’re different in what they reward.

Quicksilver keeps things simple with 1.5% cash back on every purchase. Great for those who don’t want to juggle spending categories—it’s got your back for all kinds of expenses. 

So, if the mere thought of tracking and remembering when to pay for what using your credit card gives you a headache, Quicksilver will be your best friend.

SavorOne’s a treat for foodies and entertainment fans. With higher cash back rates (3% on dining, entertainment, streaming services, and groceries, or 5% on Uber and 8% on Capital One Entertainment) it’s the go-to card for folks with specific spending habits.

SavorOne card vs. Quicksilver card: benefits

You’d think Capital One can offer the same benefits for its cash back cards, but they also differ a bit.

Take a look:

If you’re keen on travel, the Quicksilver card seems to be a better option with its rental car insurance, an emergency replacement card, and a cash advance if your card is lost or stolen when traveling.

Quicksilver vs. SavorOne: approval odds

The word on the street is both of these cards are pretty hard to get.

You’ll need at least a good credit score and a certain income (online reviewers of the card say they have around $100,000) to be approved for either of them. 

To give you a better idea, let’s see some details about people who got approved for SavorOne:

“Score: 735, oldest age: 14 years, average age: 5 years, credit line: (I’m assuming total credit at the time) $20k.”

“I got approved for the card after having a credit history of about thirteen months. Although it’s my lowest limit card since all of my other cards are around $2,000–$6,000.”

Seeing that SavorOne can make you a bit more money, the approval odds might be slightly smaller.

But, as always, it depends on your financial situation and habits.

Capital One SavorOne vs. Quicksilver: credit limit

Exact credit limits for both Capital One SavorOne and Quicksilver cards are based on your creditworthiness, income, and credit history.

Capital One Quicksilver: Credit limits typically start as low as $1,000 (with some cardholders getting a limit of $10,000—or even $13,000—depending on their financial prowess).

Capital One SavorOne: Credit limits for SavorOne may be in a similar range, but cardholders online say they received a higher limit after upgrading from Quicksilver to SavorOne.

Of course, all of this always depends on your credit score, income, and so on—so don’t rely on specific numbers when applying.

Can I Have Two Capital One Cards?

Maybe you’re now wondering: Can I have both?

Well, if you just can’t decide between the two cards, you can consider getting both.

Having both SavorOne and Quicksilver cards can be a great way to maximize your rewards. 

Since both cards have a $0 annual fee, you can earn rewards without extra costs as long as you spend within your means. 

It can even help you boost your credit score.

Multiple cards also open up the opportunity to take advantage of varied sign-up bonuses and rewards schemes. And from a credit score standpoint, spreading the expenses over different cards could potentially lower the credit utilization ratio and enhance the score. That being said, it’s not a guaranteed score booster—it all depends on how well the credit is managed.

SavorOne vs. Quicksilver—and How Do They Compare to Other Capital One Cards

Capital One gives you a lot of options—from an easy-to-get Platinum Secured to the only-for-excellent-credit Venture X card.

We’ll briefly compare them to give you an idea of the differences between them:

Capital One SavorOne vs. Venture vs. Quicksilver

*That’s up to $750 if you use your miles to pay for travel stuff.

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VentureOne vs. SavorOne vs. Quicksilver

*It’s worth $200 if you use it to pay for travel-related purchases.

If you want to see more alternatives, we prepared a couple of good ones that aren’t from the Capital One family—

Capital One SavorOne, Quicksilver & Their Alternatives

Chase Freedom Unlimited

A flat-rate cash back card with an extra cash back boost on travel, dining, and drugstore purchases.

Cash back: 5% on travel, 3% on dining and drugstores, 1.5% on everything else.

Sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)—worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

Annual fee: $0

Foreign transaction fee: 3%

Blue Cash Everyday Card from American Express

Blue Cash Everyday Card from American Express is ideal for groceries and gas, with cash back at supermarkets, gas stations, and selected department stores.

Cash back: 3% at US supermarkets, 2% at US gas stations and select US department stores, and 1% on other purchases.

Sign-up bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months.

Annual fee: $0

Foreign transaction fee: 2.7% of each transaction after conversion to US dollars.

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Capital One Quicksilver vs. SavorOne: Which Card Should You Choose?

If you definitely don’t want to get both, ask yourself a few questions:

What do you spend most on? Quicksilver gives flat cash back on everything, while SavorOne rewards dining, entertainment, and groceries.

Simplicity or category-based? Quicksilver’s easygoing with the same rewards rate, but SavorOne offers higher rewards in certain categories.

Big on eating out and entertainment? SavorOne’s a foodie’s friend, with higher cash back for dining and entertainment.

Do you frequently shop at big box stores and watch Prime Video? If so, know that the Capital One SavorOne Cash Rewards credit card excludes these from its high-rewards cash back structure.

Once you make a decision, just click here and apply for SavorOne or click here to apply for Quicksilver.