Capital One QuicksilverOne vs United Club Infinite: Which Is Better In 2026?

United Club Breakdown

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Why We Like It

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Here’s a breakdown of why we think this card is a great choice for United flyers.

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• It provides complimentary United Club membership, giving you access to a network of airport lounges worldwide.
• Cardholders receive priority travel services and free checked bags, which helps streamline the airport experience.
• The United Club℠ Card comes with a suite of travel protections and benefits that offer peace of mind on your journeys.

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Pros

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• Complimentary United Club membership offers access to lounges across the globe.
• Enjoy a smoother airport journey with Premier Access® travel services and free checked baggage for both you and a companion.
• Benefit from a wide range of travel and purchase protections, plus complimentary elite status with a major car rental partner.

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Cons

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• The card comes with a high annual fee that may be difficult to justify for those who don't travel frequently with the airline.
• Its value is heavily concentrated for dedicated United flyers, offering limited benefits if you often fly with other carriers.
• The rewards structure is less competitive on everyday spending when compared to other premium travel cards.

United Club vs Capital One QuicksilverOne Cash Rewards

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Categories

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Deciding which is better, Capital One QuicksilverOne or United Club Infinite, depends entirely on your spending habits and financial goals. Each card caters to a very different type of consumer, from the credit-builder to the frequent flyer.

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• Capital One QuicksilverOne Cash Rewards: This card is designed for credit-builders, offering a straightforward way for those with average credit to earn rewards while improving their financial standing.
• United Club℠ Infinite Card: As a top-tier travel card, this option is best suited for loyal United Airlines flyers who want premium travel perks and lounge access.

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Redemption

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Capital One QuicksilverOne Cash Rewards: This card offers straightforward cash back that can be redeemed in a variety of simple ways, such as a statement credit or a check.

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United Club℠ Infinite Card: Rewards are earned as miles within the United MileagePlus program, primarily redeemable for flights with United and its airline partners. You can also use miles for other travel-related purchases like seat upgrades and hotel stays through the airline's loyalty program.

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Compare Top Rated Credit Cards with Kudos

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For those looking to move beyond generic 'best card' lists, the Kudos platform offers a comprehensive tool to compare nearly 3,000 credit cards based on your unique spending habits.

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• Test drive credit cards: Before you apply, you can simulate the potential earnings of any card using your actual spending data to see annual rewards projections and category-by-category breakdowns.
• Approval odds analysis: Get a detailed analysis of your approval odds for a card based on your credit report.
• Welcome offer guarantee: If you find a better welcome offer within three months of getting a card through the platform, Kudos will match it.
• Kudos Boost rewards: Earn additional rewards on top of your credit card points when shopping at your favorite stores.
• $100 Kudos Kickstart+: Unlock $100 in rewards by adding select approved cards to your Kudos Wallet.
• Personalized card matching: The platform analyzes your spending history to recommend the optimal card for your financial habits.

Who Should Choose the Capital One QuicksilverOne Cash Rewards?

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The Capital One QuicksilverOne Cash Rewards credit card is primarily designed for individuals with average credit scores who are looking to build their credit profile, a key use case highlighted in a detailed card review. Its straightforward, unlimited 1.5% cash back on every purchase also makes it a great fit for everyday spenders who value simplicity over complex rewards categories. Furthermore, the card appeals to international travelers thanks to its lack of foreign transaction fees and to entertainment enthusiasts seeking exclusive access to events.

Who Should Choose the United Club?

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The United Club℠ Card is best suited for frequent United flyers, particularly business travelers who can maximize its benefits like lounge access and priority services on regular work trips. Those who value airport comfort will appreciate the complimentary United Club membership, which provides a quiet space with amenities to relax or work before flights. Additionally, international travelers and those chasing MileagePlus status will find significant value in the card's Star Alliance lounge access and ability to earn Premier Qualifying Points through spending.

Alternatives to Consider

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If you've come away from the Capital One QuicksilverOne Cash Rewards vs. United Club Infinite Card comparison feeling that neither is the right choice, you're in the right place. Let's explore a few alternatives that might be a better fit for your wallet.

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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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• Check your credit score to ensure it aligns with the card’s requirements.
• Plan your spending to naturally meet any minimum spend requirements for a welcome offer.
• Review issuer-specific rules as some have restrictions on welcome offers for existing or previous cardholders.

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Application Strategy

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• Use recommended application links as they may provide access to the best available offers.
• Try different methods if you don't see the best offer on your first attempt.
• Time your application before a large purchase to help meet spending thresholds for a bonus.

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 do I need for the QuicksilverOne and United Club Infinite cards?

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The Capital One QuicksilverOne Cash Rewards Credit Card is generally aimed at individuals with fair to average credit. In contrast, the United Club℠ Infinite Card typically requires a good to excellent credit score for approval.

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Is there an annual fee for both cards?

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Yes, both cards come with an annual fee. The QuicksilverOne card has a modest annual fee, while the United Club Infinite Card carries a much higher premium annual fee that corresponds with its extensive travel benefits.

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Can I earn travel rewards with the QuicksilverOne card?

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The QuicksilverOne card earns a flat rate of cash back on every purchase, which can be redeemed for statement credits to cover any expense, including travel. However, it does not offer specialized travel perks or bonus rewards on travel categories like the United Club Infinite Card does.

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Who is the United Club Infinite Card best for?

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The United Club Infinite Card is an excellent choice for frequent flyers of United Airlines. Its benefits, such as United Club lounge access and free checked baggage, provide the most value to travelers who regularly fly with the airline.

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