Capital One Quicksilver Cash Rewards vs Capital One Savor Cash Rewards
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
money8020 pick CO Capital One Quicksilver Cash Rewards Capital One 93/100 | CO Capital One Savor Cash Rewards Capital One 84/100 | |
|---|---|---|
| Tier | Essential | Strong |
| Cash back | 1.5% | 3% |
| Annual fee | $0 | $0 |
| Intro APR | 0% for 15 months | 0% for 12 months |
| Regular APR | 18.49%–28.49% | 18.49%–28.49% |
| Annual fee | $0 | $0 |
| Best for | People who want flat-rate cash back with zero category tracking | Households with high dining, grocery, and entertainment spend |
| View profile | View profile |
Both are no-annual-fee Capital One cash-back cards with the same $200 bonus. Choose Quicksilver for a flat 1.5% on everything and a longer 15-month 0% intro APR; choose Savor for 3% back on dining, entertainment, and groceries. Many people carry both — Savor for food, Quicksilver for the rest.
Capital One’s Quicksilver and Savor are both verified, no-annual-fee cash-back cards — we confirmed each card’s terms on Capital One’s own page and the issuer’s active FDIC status (cert #4297). They share a $200 bonus after $500 in spend, so the choice comes down to how you spend.
Quicksilver earns a flat 1.5% cash back on every purchase, with no categories to track, and offers a longer 0% intro APR for 15 months on purchases and balance transfers. It’s the simpler card and the better pick if your spending is spread out.
Savor earns 3% on dining, entertainment, and groceries — a meaningful edge if those are big line items — with a 12-month 0% intro window. The classic move is to carry both: put food and entertainment on the Savor for 3%, and everything else on the Quicksilver for 1.5%. Rates and offers are variable and can change; this is not financial advice.
Capital One Quicksilver Cash Rewards vs Capital One Savor Cash Rewards: FAQ
Which card earns more cash back?
It depends on your spending. Savor earns 3% on dining, entertainment, and groceries; Quicksilver earns a flat 1.5% on everything. If food and fun are big categories for you, Savor wins there; for general spending, Quicksilver's flat rate is simpler and often higher.
Do either charge an annual fee?
No. Per Capital One, both the Quicksilver and Savor cards have a $0 annual fee, and both offer a $200 cash bonus after $500 in purchases within the first 3 months. The difference is the rewards structure and the length of the 0% intro APR window.