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Capital One QuicksilverOne vs Capital One SavorOne: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- Capital One QuicksilverOne Cash Rewards Credit Card: This card is a solid choice for everyday purchases and international travel.
- Capital One SavorOne Cash Rewards Credit Card: This card is ideal for spending on dining, entertainment, popular streaming services, and at grocery stores.
Capital One QuicksilverOne Cash Rewards Breakdown
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Why We Like It
Here's a quick look at why we like the Capital One QuicksilverOne Cash Rewards card.
- It’s an accessible option for those with average credit who are looking to build their credit history.
- The card offers a simple, flat-rate cash back structure on all purchases, with no need to track rotating categories.
- Cardholders can avoid foreign transaction fees, which is a valuable perk for anyone traveling internationally.
Pros
- It’s designed for people with average credit and offers automatic reviews for potential credit line increases, helping you build your credit profile over time.
- The card features a straightforward, flat-rate cash back program, which means you earn rewards on every purchase without having to track complicated bonus categories.
- Cardholders get access to the Capital One Travel portal and exclusive tickets to dining, music, and sporting events through Capital One Entertainment.
Cons
- The card comes with an annual fee.
- There’s no welcome bonus or introductory APR offer for new cardholders.
- It carries a high interest rate, which can be costly if you carry a balance.
Capital One SavorOne Rewards Breakdown
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Why We Like It
Here’s a closer look at why we recommend this card.
- The Capital One SavorOne Rewards offers generous rewards on popular everyday spending categories like dining out and entertainment.
- It's a great option for international travel as it doesn't charge foreign transaction fees.
- This card is accessible to those with fair credit, offering a solid path to earning rewards while building a positive credit history.
Pros
- Enjoy flexible reward redemptions with no minimum amount; plus, your cash back won’t expire for the life of the account.
- Gain access to exclusive cardholder perks, including special entertainment events and unique dining reservations through Capital One.
Cons
- This card charges an annual fee.
- It lacks a welcome bonus and an introductory APR offer for new cardholders.
- Bonus reward categories have notable exclusions; for example, superstores do not qualify for the higher rate on spending at grocery stores.
Capital One SavorOne Rewards vs Capital One QuicksilverOne Cash Rewards
Categories
When trying to decide which is better, Capital One QuicksilverOne or Capital One SavorOne, it really comes down to your primary spending habits. Each card is designed to reward different types of purchases, making one a better fit than the other depending on your lifestyle.
- Capital One QuicksilverOne Cash Rewards Credit Card is best for those who prefer a simple, flat-rate rewards structure for all general, everyday spending without worrying about specific categories.
- Capital One SavorOne Cash Rewards Credit Card is ideal for individuals who spend frequently on dining out, at grocery stores, on entertainment, and on popular streaming services.
Redemption
Capital One QuicksilverOne Cash Rewards Credit Card: With this card, you can redeem your cash back rewards in a few straightforward ways, such as a statement credit or a check. The process is designed for simplicity, letting you easily access your earnings without hassle.
Capital One SavorOne Cash Rewards Credit Card: This card offers more flexible redemption options for your cash back. You can redeem rewards for a statement credit or check, or use them for other things like gift cards and travel through Capital One's rewards portal.
Compare Top Rated Credit Cards with Kudos
To help you find the perfect card for your spending habits, you can use a tool like Kudos to compare thousands of options based on your own data.
- Test drive credit cards: Preview your potential earnings with a new card based on your actual spending data before you apply.
- Approval odds analysis: Receive a detailed analysis of your approval odds for different cards based on your credit report.
- Personalized recommendations: Discover new credit cards with personalized matching based on your spending history.
- Bonus tracking: Monitor your progress toward earning credit card sign-up bonuses for free.
- Welcome offer guarantee: If you find a better welcome offer within three months of approval, Kudos will match it.
Who Should Choose the Capital One QuicksilverOne Cash Rewards?
The Capital One QuicksilverOne Cash Rewards card is tailor-made for those with average credit scores who want to earn rewards while actively building their credit history. It appeals to the straightforward spender who values a simple, unlimited 1.5% cash back on every purchase without needing to track complicated reward categories. Furthermore, individuals who travel internationally can benefit from no foreign transaction fees, making it a solid companion for both daily expenses and global adventures.
Who Should Choose the Capital One SavorOne Rewards?
The Capital One SavorOne Cash Rewards Credit Card is an excellent choice for individuals with fair credit who want to earn rewards while building a stronger credit history. This card is particularly well-suited for those who frequently spend on dining, entertainment, popular streaming services, and at grocery stores, as it offers a competitive 3% cash back in these categories. Cardholders should be comfortable with the $39 annual fee, which can be easily offset by taking advantage of the card's generous reward structure on everyday purchases.
Alternatives to Consider
If our Capital One QuicksilverOne vs Capital One SavorOne comparison didn't lead you to your next card, don't worry. There are several other excellent cards on the market that might be a better fit for your spending habits.
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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.
Tips for Application Success
Before You Apply
- Check your credit score – These cards are generally designed for applicants with fair to average credit.
- Look for pre-qualification tools – You may be able to check eligibility without impacting your credit score.
- Review your spending habits – Ensure a card’s reward structure aligns with your typical purchases to maximize value.
Application Strategy
- Set expectations – These cards typically do not offer a welcome bonus.
- Use the card responsibly – Issuers may automatically review your account for a higher credit line.
- Check for restrictions – Existing customers of the issuer may have different eligibility rules.
Our Methodology
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.
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
What credit score is needed for the Capital One QuicksilverOne and SavorOne cards?
The Capital One QuicksilverOne Cash Rewards Credit Card is generally designed for those with fair or average credit, while the Capital One SavorOne Cash Rewards Credit Card typically requires good to excellent credit for approval.
Do the Capital One QuicksilverOne and SavorOne cards have an annual fee?
The SavorOne card has no annual fee, whereas the QuicksilverOne card typically comes with an annual fee.
Are there foreign transaction fees on the QuicksilverOne and SavorOne cards?
No, neither the QuicksilverOne nor the SavorOne card charges a foreign transaction fee, making them both good options for international travel.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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