Capital One Savor and Capital One Quicksilver are two popular cash back credit cards from the same issuer. Both cards offer a variety of benefits, but they have different rewards structures and annual fees.
General Comparison: Capital One Savor vs. Quicksilver
The Savor card is perfect for those who enjoy dining out, entertainment, and social activities. With its generous cashback rewards on dining, entertainment, and grocery purchases, it’s an excellent choice for food lovers and anyone who regularly attends events like concerts or sports games.
In contrast, the Quicksilver card is built for simplicity and flexibility. It offers a straightforward, flat-rate cashback on all purchases, making it a great option for those who prefer hassle-free rewards without tracking categories. Plus, it provides a 0% intro APR and has no annual fee, unlike the Savor card.
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Cashback Rewards Battle: A Side-by-Side Analysis
|  | |
|---|---|---|
Spend Per Category | Capital One Savor | Capital One Quicksilver |
$15,000 – U.S Supermarkets | $450 | $225 |
$5,000 – Restaurants
| $200 | $75 |
$5,000 – Airline | $50 | $75 |
$5,000 – Hotels | $250 | $250 * |
$4,000 – Gas | $40 | $60 |
Estimated Annual Value | $990 | $685 |
* 5% cash back on hotel made through the Capital One Travel portal
Which Benefits Of You'll Get On Both Cards?
There are some additional types of perks that you will see with both of these cards:
- 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.
- Extended Warranty Protection: Extend the existing U.S. manufacturer's warranty by an additional year for eligible warranties lasting three years or less.
- Travel Accident Insurance: Automatically receive insurance coverage for eligible losses when you use your credit card to purchase your travel fare.
- 24-Hour Travel Assistance Services: In the event of a lost or stolen credit card, access emergency services such as an immediate replacement card and cash advance.
Which Benefits You'll Get Only With Savor Card?
- 10% Cashback On Uber and Uber Eats Perks: Cardholders earn 10% cash back on purchases made with Uber and Uber Eats, in addition to receiving statement credits for an Uber One membership each month until November 14, 2024.
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Which Benefits You'll Get Only With Quicksilver Card?
- 0% Intro APR: Cardholders who need to make a big purchase or consolidate debt can leverage 0% intro APR for 15 months on balance transfers and purchases
When You Might Want the Capital One Savor Card?
You might prefer the Capital One Savor card over the Capital One Quicksilver card in a few situations:
- Dining and Entertainment Enthusiasts: If you often dine out, attend concerts, enjoy sports events, or engage in other entertainment activities, the Savor card is a great choice. It offers higher cashback rewards in these categories, so you can earn more on your favorite pastimes.
- Foodies and Culinary Explorers: If you have a passion for food and enjoy exploring various cuisines and restaurants, the Savor card's enhanced cashback rates on dining make it a superior choice. It's tailored for individuals who prioritize their culinary experiences.
- Grocery Shoppers: If you frequently spend on groceries for home cooking or hosting gatherings, the Savor card offers additional cashback benefits in this category. It's an excellent option for those who like to earn rewards on their everyday grocery expenses.
When You Might Want the Quicksilver Card?
You might prefer the Capital One Quicksilver card over the Capital One Savor card in several situations:
Simplicity and Flexibility: If you prefer a straightforward approach to earning cashback without the need to track spending categories, the Quicksilver card is an excellent choice. It offers a flat rate of cashback on all purchases, making it hassle-free and easy to manage.
- You Want To Avoid The Annual Fee: The quicksilver card doesn't charge an annual fee and can be a good option for those who want to avoid the annual fee.
Varied Spending Habits: For individuals with diverse spending habits who don't focus primarily on dining, entertainment, or grocery purchases, the Quicksilver card is more versatile. It provides consistent cashback rewards across all spending categories, ensuring you earn rewards regardless of where you shop.
Compare The Alternatives
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|
| |
|---|---|---|---|
Bank of America® Travel Rewards credit card | Capital One Venture Rewards Credit Card | Wells Fargo Autograph℠ Card | |
Annual Fee | $0 | $95 | $0
|
Rewards |
1.5X
1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
|
2X – 5X
2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
| 1X – 3X
3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
|
Welcome bonus |
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases
|
75,000 miles
| 20,000 Points
20,000 bonus points when you spend $1,000 in purchases in the first 3 months
|
Foreign Transaction Fee | $0 | $0 | $0
|
Purchase APR | 18.24% – 28.24% Variable APR will apply. | 19.99% – 29.74% (Variable)
| 19.49% – 29.49% Variable APR
|
Compare Capital One Savor
While the Amex Gold Card offer better rewards than the Savor card, its annual fee is much higher. Is it worth it?
Here are our thoughts: American Express® Gold Card vs Capital One Savor.
Higher Cash back and better sign up bonus, or no annual fee with lower rewards ratios?
The Capital One Venture is designed for avid travelers, while the Savor card caters to foodies and entertainment lovers.
How do they compare? Capital One Venture vs. Capital One Savor
The Savor card is ideal for dining out and entertainment, while the Freedom Unlimited is best for travelers and those who need 0% intro APR
Capital One Savor vs. Chase Freedom Unlimited: Side By Side Comparison
The Capital One Savor is better for everyday spending, but the Chase Preferred card is the winner when it comes to travel and protection.
Compare Capital One Quicksilver Card
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Capital One Venture vs Capital One Quicksilver: Which Card Wins?
If you like Discover rotating categories, it's an easy choice. If not – our analysis will help you understand which card is better for you.
Capital One Quicksilver vs Discover it Cash Back: Which Card Is Best?
While the Quicksilver card offers unlimited flat-rate cashback rewards, the Active Cash card offers a higher cashback ratio. Let's compare.
Capital One Quicksilver vs. Wells Fargo Active Cash: Which Card Wins?
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