In this comparison, we'll help you navigate the terrain of choosing between Capital One Quicksilver and Wells Fargo Active Cash.
General Comparison: Quicksilver vs. Active Cash
Cashback Rewards Battle: Quicksilver vs. Active Cash
When comparing cashback rewards, there’s no clear winner — in most cases, the Active Cash card gives you more cashback than the Quicksilver card.
However, if you make bookings through the Capital One Travel portal, where you can earn 5% cashback on hotel stays or rental car purchases, that could shift things, depending on your spending habits.
|  | |
|---|---|---|
Spend Per Category | Wells Fargo Active Cash Card | Capital One Quicksilver |
$15,000 – U.S Supermarkets | $300 | $225 |
$5,000 – Restaurants
| $100 | $75 |
$5,000 – Airline | $100 | $75 |
$5,000 – Hotels | $100 | $250 |
$4,000 – Gas | $80 | $60 |
Estimated Annual Value | $680 | $685 |
* 5% cash back on hotel made through the Capital One Travel portal
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Which Extra Benefits You'll Get With Each Card?
In addition to the bonus points and welcome offers, both cards come with extra perks. When it comes to additional benefits and protections, the Quicksilver card takes the lead over the Wells Fargo Active Cash Card. The one area where the Active Cash card stands out is cell phone protection, which the Quicksilver card doesn’t offer.
Wells Fargo Active Cash Card
- Cellular Telephone Protection: Receive up to $600 in cell phone protection when paying your monthly cell phone bill with your Wells Fargo card, subject to a $25 deductible.
- My Wells Fargo Deals: Access personalized deals and earn cashback as an account credit when using your Wells Fargo credit card for shopping, dining, or experiences.
- Zero Liability Protection: Protection against unauthorized transactions when promptly reported.
- Credit Close-Up℠: Provides tools and insights to understand, track, raise, or maintain your FICO® Score.
Capital One Quicksilver
- Capital One Dining and Entertainment: Enjoy exclusive reservations at award-winning restaurants and access to culinary experiences, as well as exclusive pre-sales, tickets, and more for music, sports, and dining events.
- 5% Cash Back on Travel: Enjoy a generous 5% cash back on hotel and rental car bookings made through the Capital One Travel portal, providing significant savings on your travel expenses.
- Redeem Cashback On Paypal/Amazon: Capital One cardholders can easily redeem their cash back or miles to shop online at various retailers through PayPal and Amazon, making it convenient to use rewards for everyday purchases.
- Uber Perks: Cardholders receive statement credits for an Uber One membership each month until November 14, 2024.
- No Foreign Transaction Fees: You won’t pay a transaction fee when making a purchase outside of the United States
- Purchase Protection: Safeguard your new purchases from damage or theft with comprehensive coverage.
When You Might Want the Wells Fargo Active Cash Card?
You might prefer the Active Cash Card over the Capital One Quicksilver in the following situations:
- High Spenders: Wells Fargo Active Cash, with its 2% unlimited cashback on all purchases, is advantageous for individuals who consistently spend higher amounts. If your monthly expenses are substantial, the higher cashback rate can result in more significant rewards compared to Capital One Quicksilver's 1.5% flat rate.
- You're Interested In Cellphone Protection: The Wells Fargo Active Cash® Card offers cellphone protection against damage or theft when you use the card to pay your phone bill. This is a valuable benefit that can save you money if your phone is lost, stolen, or damaged.
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When You Might Want the Capital One Quicksilver Card?
You might prefer the Capital One Quicksilver over the Wells Fargo Active Cash in the following situations:
- You're A Frequent Traveler: The Capital One Quicksilver Cash Rewards Credit Card does not charge foreign transaction fees, while the Wells Fargo Active Cash® Card charges a 3% fee. If you travel internationally frequently, this could save you a significant amount of money.
- You Prefer To Book On Capital One Travel Portal – if you book hotels or rental cars on the portal, you get 5% cashback which can change the picture for travel consuemers.
Compare The Alternatives
It's always a good idea to be aware of other options before determining the most suitable choice for your needs.
|
|
| |
|---|---|---|---|
Capital One Quicksilver Cash Rewards Credit Card | Blue Cash Preferred® Card from American Express | Chase Sapphire Preferred® Card | |
Annual Fee | $0
| $95 ($0 intro for the first year)
| $95
|
Rewards |
1.5% – 5%
5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
|
1-6%
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit
and U.S. gas stations, 1% cash back on other purchases
|
2X – 5X
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
|
Welcome bonus |
$200
$200 cash bonus once you spend $500 on purchases within 3 months from account opening
|
$250
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
|
60,000 points
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
|
Foreign Transaction Fee | $0 | 2.70% | $0
|
Purchase APR | 19.74% – 29.74% (Variable)
| 18.49% – 29.49% Variable
| 20.99% – 27.99% variable APR
|
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