Capital One Savor vs. Capital One Quicksilver: Increased Entertainment Spending or Flat Cash Back on Everything?
Travel rewards cards come in many forms. Some are co-branded with a Airlines or hotel loyalty program, while others earn Transferable Pointssuch as American Express Membership Rewards or Chase Ultimate Rewards. Cardholders can then convert their rewards into airline miles or hotel points with a variety of travel partners.
Then there are cash back credit cards, which can be converted at a fixed rate geared toward travel and other purchases. For many consumers, these are the most useful types of travel credit cards. They eliminate guesswork of earning and redeeming and often provides a steady return on spending.
Capital One issues a number of best cash back rewards cards, including Capital One Savor Cash Rewards Credit Card and Capital One Quicksilver Cash Rewards Credit CardHere’s a quick look at which type you should buy.
The information about Capital One Savor has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Compare Capital One Savor vs Capital One Quicksilver
| Benefit | Scent | Mercury |
|---|---|---|
| Welcome Welcome | $300 after you spend $3,000 on purchases in the first three months | $200 after you spend $500 on purchases in the first three months |
| Income | 4% on selected dining, entertainment and streaming services 3% at grocery stores (except supermarkets like Walmart and Target) 1% for everything else | 1.5% on everything |
| Additional benefits | 24/7 Reception Service Warranty extension | 24/7 Reception Service Rental car insurance, extended warranty |
| Annual fee | $95 | $0 (see prices and fees) |
Capital One Savor vs. Capital One Quicksilver Welcome Offer
The Savor Rewards card offers a higher sign-up bonus—$300 cash back after you spend $3,000 in the first three months of account opening.
The Quicksilver Cash Rewards Card offers a $200 cash back sign-up bonus — but you only have to spend $500 in the first three months.
If you intend to make one of these cards a major fixture in your wallet, you may want to opt for the higher bonus offer. However, if earning cash back rewards is just a small part of a larger points-earning strategy, you may be better off with Quicksilver’s lower spending requirement.
Just remember that Capital One has some potentially confusing terms. Applicable laws This may limit your eligibility for any card. You can only have two personal cards open. Capital One Credit Card at a time. So your application may be denied if you have other Capital One cards open.
Issuers also limit consumers to opening just one new card every six months, so if you’ve signed up for another product in that time frame, you may want to hold off.
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Winner: Enjoy. Its welcome is worth more.
Read more related: The Complete Guide to Credit Card Application Restrictions
Benefits of Capital One Savor vs Capital One Quicksilver
While none of these cards offer many other benefits comparable to higher-end cards, reward cardThey still have some notable perks.
Both free foreign transaction (for Quicksilver, see prices and fees) and supply Reception service And extended warranty protection.
Savor Rewards has a $95 annual fee, while Quicksilver has no annual fee (see prices and fees).
Winner: Tie. Both cards offer a huge amount of valuable benefits.
Earn Cash Back with Capital One Savor vs. Capital One Quicksilver
The Mercury Earn a flat 1.5% cash back on all purchases, which is on par with competitors from other issuers like Chase Freedom Unlimited®but it’s less than what you might expect with other cards like Citi Double Cash® Card (see prices and fees).
In contrast, Savor Rewards maintains a tiered earnings structure that will benefit those whose main spending categories include dining and entertainment the most, as the program offers an impressive 4% cash back on both.
Entertainment includes tickets to movies, plays, concerts, sporting events, tourist attractions, amusement parks, aquariums, zoos, dance clubs, billiard halls, bowling alleys, and shopping at record and video stores. Food and beverage applies to a wide variety of businesses, including restaurants, cafes, bars, lounges, fast food chains, and bakeries.
The card also earns 4% cash back on popular streaming services, 3% cash back at grocery and 1% back on everything else.
If you frequently dine out and attend live events or spend the majority of your credit card spending at grocery stores, this card’s high rewards rate is great. However, if you plan to use your cash-back card for other types of purchases, Quicksilver may be a better choice.
Winner: Enjoy. Its earnings ratio is more valuable.
Redeem Cash Back with Capital One Savor vs. Capital One Quicksilver
Both are cash back cards, plain and simple. You can redeem your cash back in a variety of ways, including as a statement credit, Amazon.com purchases, or gift cards.
These are all valuable redemption options that make your earnings much more valuable.
Winner: Tie. Both cards have the same redemption options.
Related: Best cash back credit cards
Should I buy Capital One Savor or Capital One Quicksilver?
It depends on where you spend your money. Mercury is a great non-annual fee (see prices and fees) is for people who want a simple 1.5% cash back on their spending and tend to shop at a variety of stores.
The Savor Rewards card, on the other hand, is designed specifically for people who tend to spend the most on dining, entertainment, and groceries. Just note that the Savor has a $95 annual fee.
Last line
Both Enjoy the rewards and Mercury are strong cash-back options. The first earns up to 4% cash back on purchases and is an especially strong choice for consumers whose main spending categories are dining, entertainment, popular streaming services, and groceries. The second is a solid card with no annual fee (see prices and fees) with a fixed return of 1.5% on spending, making earning money simple.
To learn more, read our full review of Capital One Enjoy and Quicksilver Cash Rewards.
Register here: Capital One Quicksilver Cash Rewards
For the Capital One products listed on this page, some of the benefits listed above are offered by Visa® or Mastercard® and may vary by product. See the respective Benefits Guide for details, as terms and exclusions apply.
