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As there are so many different credit cards out on the market today, there can be a lot of choices that people need to make. This comparison will look at the similarities and differences between the Capital One Venture and Quicksilver cards.
Both of these options have some key differences. Some people might be better suited to one of these options over the other. By reading this comparison article, you can ask yourself the right questions and figure out what is optimal for your needs.
General Comparison
|  | |
|---|---|---|
Capital One Venture Rewards Credit Card | Capital One Quicksilver Cash Rewards Credit Card | |
Annual Fee | $95 | $0 |
Rewards | 2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel | 5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday. |
Welcome bonus | 75,000 miles once they spend $4,000 on purchases within 3 months from account opening | $200 cash bonus once you spend $500 on purchases within 3 months from account opening |
0% Intro APR | N/A | 15 months on balance transfers and purchases |
Foreign Transaction Fee | $0 | $0 |
Purchase APR | 19.99% – 29.74% (Variable) | 19.74% – 29.74% (Variable) |
Learn More | Learn More |
Compare Rewards: Which Card Gives More?
There are going to be different areas where credit cards stand out when it comes to cashback rewards.
Here is a look at an example of what you could expect when it comes to these two Capital One cards:
| | |
|---|---|---|
Spend Per Category | Capital One Venture | Capital One Quicksilver |
$12,000 – U.S Supermarkets | 24,000 miles | $225
|
$5,000 – Restaurants | 10,000 miles | $75 |
$4,000 – Hotels | 20,000 miles | $60 |
$4,000 – Airline
| 8,000 miles | $60 |
$5,000 – Gas | 10,000 miles | $75
|
Points/Miles | 72,000 miles | |
Redemption Value | 1 point = 1 cent | |
Annual Value – First Year | $1,320 | $695 |
Annual Value | $720 | $495 |
The Capital One Venture card is best suited for travel-related purchases and you will get the best value when you spend the resulting miles on travel-related expenses rather than cashback.
On a pure cash basis, the Venture card will be preferred if you are looking for a card that covers a lot of bases when it comes to making purchases.
Compare Welcome Bonus And Fees
For new cardholders, you will get 75,000 miles once they spend $4,000 on purchases within 3 months from account opening. It's one of the best sign up bonus available for basic travel cards.
The Quicksilver card will give you a $200 cash bonus once you spend $500 on purchases within 3 months from account opening.
For the Quicksilver card, you will get 0% intro APR for 15 months on balance transfers and purchases. After that points, there will be APR of 19.74% – 29.74% (Variable). For balance transfers, there will be a 3% fee in place after initial 0% APR period. You will not have to pay any foreign transaction fees.
The Capital One Venture does not have an intro APR, so you will be looking at 19.99% – 29.74% (Variable) rates. There are also no foreign transaction fees associated with this option.
Compare The Perks
As well as the APR rates, fees, and bonus offers, there are some unique features associated with different cards, as well as similarities.
Here are the additional benefits you'll get on both cards:
24-Hour Travel Assistance: If you have any issues while traveling, you have access to 24/7 customer support. You can arrange for a cash advance and an emergency replacement card if needed.
- Redeem rewards via PayPal or Amazon.com
- Capital One Shopping tool to automatically apply coupon codes to your orders
- Complimentary Concierge Services in travel, entertainment, and dining 24/7, 365 days a year.
Extended Warranty: There will be an extended warranty provider on eligible purchases through your credit card.
Fraud Protection: You will not have any liability if your card is stolen and charges are made to your card.
Mobile App: The Capital One mobile app is very good as it gives you the chance to manage your account from anywhere and connect it to your Capital One bank account. This includes viewing account balances, paying bills, and looking at transactions.
- Automatic travel accident insurance when you purchase fares with the card.
The Venture card offers some unique features:
Capital One Lounge: You get access to Capital One Lounges at airports across the world.
Credits: You will get up to $100 in credit for TSA PreCheck or Global Entry with the Capital One Venture card.
- Transfer Miles: You will be able to transfer your Capital One Venture miles to more than 15 different travel loyalty programs. Here's an example of some:
Compare The Drawbacks
Of course, no credit card is perfect, so it is important to be aware of the potential drawbacks before you make your final card decision.
Capital One Venture
- Annual Fee
You need to pay an annual fee of $95 with this card. If you're looking for a travel card, most cards require a fee. For example, the Chase Sapphire Preferred annual fee is quite similar ($95 ).
- Not the Best Rates
The cashback rates aren’t the best when compared to other cards.
Capital One Quicksilver
- Lack of Premium Rewards Rates
You will not get access to good bonus rewards rates.
Compare Redemption Options
With the Capital One Venture card, you can earn 5 miles per dollar on purchases made through Capital One Travel for things like hotels and car rentals. For all other purchases, you'll earn 2 miles per dollar. On the other hand, the Quicksilver card offers a straightforward 1.5% cash back on every purchase, with no earning limit.
For the Quicksilver cashback rewards, you are able to get a check, as statement credit, or redeem them with certain retailers. The Capital One Venture card miles can be redeemed for account credit, gift cards, cash, or travel expenses.
The value of these miles varies depending on what you are using them for. For example, one mile will equal $0.01 each when used for travel, $0.008 for gift cards, and $0.005 for cashback.
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