Capital One Savor vs. Quicksilver (2026)
Compare Capital One Savor (3% dining, groceries, entertainment) vs. Quicksilver (1.5% flat). Which no-annual-fee cash back card is best for you?
Short answer: Capital One Savor Cash Rewards Credit Card vs Capital One Quicksilver Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card is our pick for most people. Capital One Savor wins for most consumers due to uncapped 3% cash back on the two largest household budget categories: dining and groceries, with zero annual fee and zero foreign transaction fees.
- Choose Capital One Savor Cash Rewards Credit Card if you want: Foodies and entertainment lovers who want 3% rewards without paying any annual fee.
- Choose Capital One Quicksilver Cash Rewards Credit Card if you want: Cardholders looking for a simple, flat-rate cash back card with 0% APR and no foreign transaction fees.
Where the math flips: If you spend more than $150/month on dining and groceries, Savor generates more cash back annually than Quicksilver, even factoring in Quicksilver's slightly higher 1.5% base rate.
- Capital One Savor Cash Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Annual fee
- $0
- $0
- Base earning rate
- 1% cash back on all other purchases
- 1.5% cash back on every purchase
- Foreign transaction fee
- None (0%)
- None (0%)
Last edited . Figures are an editorial snapshot and are pending line-by-line verification: confirm current terms on the issuer's page before applying.
Feature & Fee Breakdown
| Feature | Capital One Savor Cash Rewards Credit Card | Capital One Quicksilver Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Dining & Groceries | 3% cash back (uncapped) | 1.5% cash back |
| Entertainment & Streaming | 3% cash back & 8% on Capital One Entertainment | 1.5% cash back |
| Base / General Spending | 1% cash back | 1.5% cash back |
| Recommended Credit Score | Good to Excellent (670-850) | Good to Excellent (670-850) |
| Official Issuer Terms | View Capital One Rates & Fees ↗ | View Capital One Rates & Fees ↗ |
Customize your estimated monthly spending to see which card delivers higher net rewards over 12 months (after annual fees).
Annual rewards after $0 fee
Annual rewards after $0 fee
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📈 The Mathematical Breakeven Point
If you spend more than $150/month on dining and groceries, Savor generates more cash back annually than Quicksilver, even factoring in Quicksilver's slightly higher 1.5% base rate.
Capital One Savor Cash Rewards Credit Card
Foodies and entertainment lovers who want 3% rewards without paying any annual fee.
Key Strengths
- ✓ Unlimited 3% cash back on dining, entertainment, popular streaming services and grocery stores
- ✓ 8% cash back on Capital One Entertainment purchases
- ✓ No annual fee and zero foreign transaction fees
- ✓ 0% intro APR on purchases and balance transfers for 15 months
Drawbacks
- ✕ Base earning rate on non-category spending is 1%
- ✕ Supermarket bonus excludes superstores like Target and Walmart
Capital One Quicksilver Cash Rewards Credit Card
Cardholders looking for a simple, flat-rate cash back card with 0% APR and no foreign transaction fees.
Key Strengths
- ✓ Unlimited 1.5% cash back on every purchase with no rotating categories or sign-ups
- ✓ No annual fee and zero foreign transaction fees worldwide
- ✓ 0% intro APR for 15 months on purchases and balance transfers
- ✓ 5% cash back on hotels and rental cars booked through Capital One Travel
Drawbacks
- ✕ 1.5% flat rate is lower than 2% cards like Citi Double Cash or Wells Fargo Active Cash
- ✕ Lacks high category multipliers for dining or supermarkets
Frequently Asked Questions
Is Capital One Savor better than Quicksilver?
For food and entertainment spenders, Savor is significantly better with 3% cash back. Quicksilver is only better if the majority of your spending is on retail, utilities, and general expenses where Savor earns 1%.