Both the Capital One SavorOne and the Quicksilver charge no annual fee and hand out the same $250 welcome bonus. So why pick one over the other? The answer comes down to one question: do you spend more on dining and groceries, or do you want one flat rate on everything? Here is a clear breakdown of both cards as of June 2026 so you can choose without second-guessing.
Key Facts at a Glance
| Feature | Capital One SavorOne | Capital One Quicksilver |
|---|---|---|
| Issuer | Capital One | Capital One |
| Network | Mastercard/Visa | Mastercard/Visa |
| Annual fee | $0 | $0 |
| Purchase APR | 18.49%–28.49% variable | 18.49%–28.49% variable |
| Rewards | 3% dining, groceries, entertainment, streaming; 1% else | 1.5% flat on everything |
| Welcome bonus | $250 after $500 in 3 months | $200–$250 after $500 in 3 months |
| Score needed | Typically ~670–740 (good to excellent) | Typically ~670–740 (good to excellent) |
| Reports to bureaus | All 3 (Equifax, Experian, TransUnion) | All 3 |
Terms and conditions apply. APRs vary by creditworthiness.
How the Rewards Compare
The SavorOne is built for people who eat out and shop for food. It earns unlimited 3% cash back at grocery stores (Walmart and Target superstores excluded), on dining, entertainment, and popular streaming services like Netflix and Hulu. Everything else earns 1%. Both cards also earn 5% on hotels and rental cars booked through Capital One Travel.
The Quicksilver keeps it simple: a flat 1.5% cash back on every purchase, with nothing to track. There are no bonus categories and no caps.
The math is easy. If a big chunk of your spending lands in dining, groceries, or entertainment, the SavorOne's 3% beats Quicksilver's 1.5% by a wide margin. If your spending is spread evenly across many categories, the flat 1.5% can come out ahead.
APR and Intro Offers
Both cards land in the same 18.49% to 28.49% variable purchase APR range, set by your creditworthiness. Neither is a low-rate card, so carrying a balance gets expensive on either one.
The SavorOne offers a 0% intro APR for 12 months on purchases and balance transfers. The Quicksilver runs a longer 0% intro APR for 15 months on both. If you plan a large purchase or a balance transfer, the Quicksilver's extra three interest-free months can matter. A balance transfer fee applies on both, and APRs vary by creditworthiness.
Fees and Welcome Bonus
Neither card charges an annual fee or a foreign transaction fee, which makes both solid for travel abroad. Standard late and cash-advance fees apply to each.
The SavorOne offers a $250 cash bonus after you spend $500 on purchases in the first 3 months. The Quicksilver's standard bonus is $200 after the same $500 in 3 months, though Capital One has run $250 offers on it too. Confirm the live bonus on the application before you apply, since these change.
Who Each Card Fits
Pick the SavorOne if dining, groceries, entertainment, and streaming make up a meaningful slice of your monthly spending, because 3% adds up fast and you pay nothing to hold the card.
Pick the Quicksilver if you want one flat rate and zero category tracking, or if the longer 15-month 0% intro APR fits a planned purchase. For many households, the SavorOne quietly earns more on the same spending because food and entertainment are large recurring costs.
Strong Alternatives Worth a Look
If you have good credit and want options beyond Capital One, a few cards take different angles. The Robinhood Gold Card is the standout for premium, good-credit readers: it pays a flat 3% cash back on every purchase with no category limits, which beats both Capital One cards on non-food spending if you qualify for Robinhood Gold. Shoppers who simply want the most flat-rate value can also browse the highest cash back no-annual-fee options before deciding.
Robinhood
Robinhood
Robinhood is a trading platform that brings stocks, ETFs, options, futures, prediction markets, crypto, and retirement accounts together in one app.
Standout feature
One platform for stocks, ETFs, options, futures, prediction markets, and crypto
Fees
$0 commission on stocks, ETFs, and options.
Pros
Zero-commission trading on stocks, ETFs, and options
Cons
Best perks (high APY, lower margin rates) require Gold subscription ($5/month)
The Aspire Mastercard is another option for everyday cash back with a streamlined approval process and clear rewards on regular purchases.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
The Perpay Credit Card takes a different route, pairing a credit line with a structured payment approach that can help you build history while you spend.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
What Users Commonly Report
People who carry the SavorOne tend to praise how much the 3% dining and grocery rate adds up, especially for households that cook and eat out often. Quicksilver users like never having to think about categories. A common limitation noted across both: the regular APR is high, so the cards reward people who pay in full each month. Some readers also mention that the welcome bonus offers can vary, so the exact amount you see may differ from what a friend got.
Frequently Asked Questions
Is the SavorOne better than the Quicksilver?
It depends on your spending. The SavorOne earns 3% on dining, groceries, entertainment, and streaming, so it usually wins for food-heavy budgets. The Quicksilver's flat 1.5% can edge ahead if your spending is spread evenly across many categories.
Do both cards charge an annual fee?
No. As of June 2026, both the Capital One SavorOne and the Quicksilver have a $0 annual fee and no foreign transaction fee.
Can I have both the SavorOne and Quicksilver?
Yes, Capital One generally allows you to hold both cards. Some people pair them, using the SavorOne for bonus categories and the Quicksilver for everything else. Approval still depends on your overall credit profile.
What credit score do I need?
Both cards typically call for good to excellent credit, often in the ~670 to 740 range or higher. Capital One reviews your full profile, including income and existing debt, not just your score.
