Capital One QuicksilverOne vs Capital One Savor: Which Is Better In 2026?

Capital One Savor Cash Rewards Breakdown

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Why We Like It

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Here’s a closer look at what makes the Capital One Savor Cash Rewards card a standout choice.

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• The Capital One Savor Cash Rewards Credit Card offers generous rewards on popular spending categories like dining out and entertainment.
• It's a great companion for international travel, as it helps you avoid extra charges on purchases made abroad.
• Cardholders get special access to exclusive entertainment events and experiences through Capital One.

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Pros

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• Redeeming your cash back is straightforward, with several options and no minimum amount required.
• The card includes valuable travel and purchase protection benefits for added security on your spending.
• Cardholders with a compatible Capital One travel card can convert their cash back rewards into miles, offering greater flexibility.

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Cons

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• A good to excellent credit score is generally required for approval.
• Bonus rewards on groceries may not apply to purchases at certain large retailers, like superstores or wholesale clubs.
• Transferring rewards to travel partners requires holding an accompanying Capital One travel card.

Capital One Savor Cash Rewards vs Capital One QuicksilverOne Cash Rewards

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Categories

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Deciding which is better, Capital One QuicksilverOne or Capital One Savor, comes down to your primary spending habits. Each card is tailored to a different type of consumer, offering distinct advantages based on where you use it most.

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• Capital One QuicksilverOne Cash Rewards Credit Card is designed for straightforward, everyday spending without the need to track specific categories. It's also a strong choice for those looking to build their credit history or who frequently make purchases abroad.
• Capital One Savor Cash Rewards Credit Card excels for users who spend heavily on dining out, entertainment, and at grocery stores. It's geared towards those with a lifestyle that includes frequent social and food-related expenses.

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Redemption

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Capital One QuicksilverOne Cash Rewards Credit Card: Redeeming your cash back is as straightforward as earning it, with no minimums required to get your money. You can request your rewards as a statement credit to lower your balance or opt for a check in the mail.

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Capital One Savor Cash Rewards Credit Card: This card also offers flexible and easy redemption options for the cash back you accumulate. Your rewards can be applied directly as a statement credit, which is a great way to offset your spending, or you can receive them as a check.

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Compare Top Rated Credit Cards with Kudos

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To make the right choice, you can use a tool like Kudos, a data-driven card explorer that lets you compare nearly 3,000 credit cards to find the perfect match for your spending.

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• Test Drive Feature: Test drive a card before you apply by using your real spending data to see personalized earning calculations.
• Approval Odds: Get a detailed analysis of your likelihood of being approved for various cards based on your credit report.
• Welcome Offer Guarantee: If you find a better welcome offer within three months of approval, Kudos will match it.
• Kudos Kickstart+: Unlock $100 in rewards when you add select approved cards to your Kudos Wallet.
• Kudos Boost: Earn extra rewards on top of your card's rewards when you shop at participating stores.
• Personalized Recommendations: Receive card suggestions based on your actual transaction history to maximize your earnings.

Who Should Choose the Capital One QuicksilverOne Cash Rewards?

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The Capital One QuicksilverOne Cash Rewards Credit Card is an excellent choice for individuals with average credit scores, typically between 580 and 670, who are looking to build or rebuild their credit history. It's particularly well-suited for everyday spenders who value a simple, flat-rate 1.5% cash back program without the hassle of rotating categories. Additionally, frequent international travelers will appreciate the lack of foreign transaction fees, making it a practical option for those willing to pay the $39 annual fee for these combined benefits.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards Credit Card is a perfect match for foodies and entertainment lovers who frequently dine out, attend concerts, or enjoy movie nights. Beyond a night out, it also caters to families with its unlimited 3% cash back at grocery stores, though superstores like Walmart® and Target® are excluded. Ultimately, it's designed for those who want simple, valuable rewards on their everyday lifestyle spending without paying an annual fee or foreign transaction fees.

Alternatives to Consider

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So, you've weighed the Capital One QuicksilverOne vs Capital One Savor comparison and neither card feels quite right. Fortunately, the world of cash-back credit cards is vast, and there are several other top-tier options to consider.

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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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• Confirm your credit score aligns with the card’s eligibility requirements.
• Create a spending plan to meet any welcome offer requirements without overspending.
• Review the issuer’s rules on eligibility for new cardmember offers if you're an existing customer.

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Application Strategy

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• Time your application based on the issuer’s rules for new account approvals.
• Choose a card that aligns with your primary spending categories.
• Use an issuer’s pre-approval tool to check your odds without a hard inquiry.

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 needed for the Capital One QuicksilverOne and Capital One Savor cards?

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The Capital One QuicksilverOne Cash Rewards Credit Card is generally aimed at applicants with fair to average credit. In contrast, the Capital One Savor Cash Rewards Credit Card typically requires a good or excellent credit score for approval.

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Do the Capital One QuicksilverOne and Savor cards have annual fees?

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Yes, both the Capital One QuicksilverOne and the Capital One Savor cards typically charge an annual fee. Capital One does offer other cards in the Quicksilver and Savor families that may have no annual fee.

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What are the main reward categories for the Capital One Savor card?

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The Capital One Savor card focuses on rewarding spending on dining, entertainment, and popular streaming services with a high cash back rate. It also offers an elevated reward rate for purchases at grocery stores.

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