Capital One QuicksilverOne vs Bank of America Travel Rewards: Which Is Better In 2026?

Bank of America Travel Rewards Breakdown

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Why We Like It

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Here’s a quick look at what makes this card a solid choice for many travelers.

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• The Bank of America® Travel Rewards Credit Card is an excellent starter travel card since it comes without an annual fee or foreign transaction fees.
• Its rewards program is refreshingly simple, offering a flat earning rate on every purchase you make without rotating categories.
• You can redeem your points with great flexibility, using them as a statement credit against a wide variety of travel and dining purchases.

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Pros

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• No annual or foreign transaction fees: This card is a budget-friendly option for travelers, as it doesn't charge an annual fee and waives fees on international purchases.
• Simple rewards structure: Earning is straightforward with a flat rewards rate on all purchases, so you don’t have to juggle rotating categories.
• Flexible redemption options: You can redeem points for statement credits against a broad range of travel and dining purchases, giving you the freedom to book how you want.

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Cons

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• No bonus rewards categories: The card’s flat rewards rate applies to all purchases, so you won’t earn extra on specific categories like travel or dining.
• Few premium travel benefits: It lacks common travel card perks like airport lounge access or the ability to transfer points to airline and hotel loyalty programs.
• Best rates require bank loyalty: The card’s full earning potential is reserved for Bank of America Preferred Rewards members, which requires a significant account balance.

Bank of America Travel Rewards vs Capital One QuicksilverOne Cash Rewards

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Categories

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When deciding which is better, Capital One QuicksilverOne or Bank of America Travel Rewards, it's important to consider what type of consumer each card is designed for as they cater to distinct financial goals.

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• Capital One QuicksilverOne Cash Rewards Credit Card: This card is best for credit builders, as it's designed for individuals with average credit who want to improve their credit profile through responsible use.
• Bank of America® Travel Rewards Credit Card: This card is ideal for occasional travelers, serving as an excellent starter card for those new to travel rewards or who only travel a few times a year.

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Redemption

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Capital One QuicksilverOne Cash Rewards Credit Card: This card offers straightforward cash back rewards that can be redeemed with great flexibility, typically as a statement credit or a check.

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Bank of America® Travel Rewards Credit Card: You earn points that are redeemed as a statement credit to offset the cost of eligible travel and dining purchases, making it easy to save on your trips.

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Compare Top Rated Credit Cards with Kudos

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For a more personalized approach, a tool like Kudos can help you compare nearly 3,000 credit cards to find the best fit for your spending habits.

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• Test drive credit cards: Before you apply, you can use your actual spending data to simulate potential earnings from any card, giving you a personalized projection of its value.
• Check your approval odds: Get a detailed analysis based on your credit report to see your chances of being approved for a card before you apply.
• Welcome offer guarantee: If you find a better public welcome offer for a card you got through Kudos within three months, the platform will match it.
• Earn extra rewards: With Kudos Boost, you can earn additional rewards on top of your card’s regular earnings when shopping at participating stores.
• Compare thousands of cards: Access and compare a vast library of cards, including many that don't offer affiliate commissions to other review sites.

Who Should Choose the Capital One QuicksilverOne Cash Rewards?

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This card is tailor-made for credit-builders, specifically those with average credit scores who want to earn rewards while improving their financial standing. It also appeals to the no-fuss spender, offering a simple, flat 1.5% cash back rate on every purchase without the hassle of rotating categories. Finally, with no foreign transaction fees and access to special entertainment events, it's a solid companion for both international travelers and concert-goers.

Who Should Choose the Bank of America Travel Rewards?

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The Bank of America® Travel Rewards credit card is an excellent choice for beginners in the travel rewards world or anyone who prefers a simple, one-card strategy for all their spending. It's particularly valuable for existing Bank of America customers, who can earn up to 75% more points through the Preferred Rewards program. With no annual fee and a student version available, it also appeals to budget-conscious travelers and those just starting to build their credit history.

Alternatives to Consider

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After a close Capital One QuicksilverOne vs Bank of America Travel Rewards comparison, you might find that neither card is the perfect fit. Fortunately, the credit card market is full of other compelling options worth exploring.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Know your credit score and confirm it meets the card’s typical approval range.
• Plan your spending to meet any welcome offer requirements without overspending.
• Review issuer rules as some have restrictions on welcome offers for existing or previous cardholders.

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Application Strategy

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• Time your application to align with planned large purchases.
• Leverage existing relationships, as some issuers offer enhanced rewards for current customers.
• Choose the right card for your credit level, such as a card designed for building credit.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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What credit score is recommended for the QuicksilverOne and Travel Rewards cards?

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The Capital One QuicksilverOne is designed for those with fair or average credit, while the Bank of America Travel Rewards card typically requires good to excellent credit for approval.

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Do the QuicksilverOne and Travel Rewards cards have annual fees?

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The Capital One QuicksilverOne has a $39 annual fee, whereas the Bank of America Travel Rewards card has no annual fee.

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How do I redeem rewards with the Capital One QuicksilverOne card?

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You can redeem your cash back from the QuicksilverOne card as a statement credit or a check, and you can even set up automatic redemptions at a certain time each year or when your rewards reach a specific amount.

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Are there foreign transaction fees on either card?

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Neither the Capital One QuicksilverOne nor the Bank of America Travel Rewards card charges foreign transaction fees, making them both suitable options for international travel.

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