Two Capital One cashback cards with the same $0 annual fee, the same no-foreign-transaction-fee policy, and near-identical 0% intro APR windows — the real decision is whether your spend concentrates in dining, groceries, and entertainment (Savor's 3%) or you want one flat rate on everything with no categories to track (Quicksilver's 1.5%).
Scored against our published methodology · Updated August 13, 2026
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Capital One
People who want one no-annual-fee card that does three things at once: 1.5% unlimited cash back, a 0% intro-APR window, and no foreign transaction fee. It's the flat-rate workhorse for someone who won't track categories and occasionally spends abroad.
Find your matchCapital One
Readers who spend heavily on dining, groceries, and entertainment and want 3% back with no annual fee — the $0 AF answer that quietly out-earns most flat-rate cards for food-heavy households, plus a $250 welcome bonus (spend $500 in 3 months) and 5% on hotels/rental cars/vacation rentals via Capital One Travel.
Find your matchBest for — by the numbers
Per-spec leads are computed from each issuer's published facts and our scored methodology — there is no single overall winner. Reviewed August 13, 2026. ClearValue Cards earns compensation through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool, and through separately labeled, paid partner placements (marked "Advertiser Disclosure · Sponsored") that sit outside our card rankings. Neither compensation source influences editorial scoring or ordering.
| Spec | Capital One Quicksilver Cash Rewards | Capital One Savor |
|---|---|---|
| Annual fee | $0 | $0 |
| 0% intro APR period | 15 months | 12 months |
| Ongoing APR (from) | 18.49% | 18.49% |
| Foreign transaction fee | None | None |
| Rewards score | 15/20 | 15/20 |
| Fee-structure score | 20/20 | 20/20 |
| ClearValue score | 85/100 | 84/100 |
| Balance transfer fee | 3% during the 15-month intro window, 4% after | 3% (intro), then 4% |
A check marks the card that leads that spec on published figures. Rows with no marker are either tied or judgment calls (fee wording, late-fee terms) where a single "winner" would misrepresent the data.
Tap the spec you care about — we'll show which card leads on it.
For 0% intro APR period, the Capital One Quicksilver Cash Rewards leads (15 months).
Readers whose spend is spread across everyday categories with no dining or entertainment concentration
1.5% flat on every purchase, no exceptions, beats Savor's 1% base rate on non-bonus spend — and there's nothing to track or activate.
See your matchesHouseholds that spend meaningfully on dining, groceries, and entertainment or streaming
3% uncapped on those categories, plus 5% on Capital One Travel bookings, out-earns Quicksilver's flat rate once dining and grocery spend clears roughly $3,000/year.
See your matchesTravelers chasing transferable points — neither card earns Capital One Miles; Venture or Venture X is the pick for anyone who wants to transfer to airline and hotel partners.
Weighing the numbers yourself? Run our free rewards vs. interest calculator.
Answer a few questions about how you spend and we'll point you to the cards that actually fit — no guesswork.
Take the 60-second quizBase rewards rate
Capital One Quicksilver Cash Rewards: 1.5% flat on everything
Capital One Savor: 3% dining/grocery/entertainment/streaming, 1% everything else
Annual fee
Capital One Quicksilver Cash Rewards: $0
Capital One Savor: $0
Intro APR
Capital One Quicksilver Cash Rewards: 0% for 15 months on purchases and balance transfers
Capital One Savor: 0% for 12 months on purchases and balance transfers
Foreign transaction fee
Capital One Quicksilver Cash Rewards: None
Capital One Savor: None
Honest knock
Capital One Quicksilver Cash Rewards: 1.5% is the floor of the flat-rate market — Citi Double Cash and Wells Fargo Active Cash both beat it at 2%
Capital One Savor: The 8% Capital One Entertainment rate only applies to tickets bought on Capital One's own ticketing platform, not the old Vivid Seats-branded deal
Neither is universally better — it depends on how you spend. On our published 100-point methodology the Capital One Quicksilver Cash Rewards scores 85/100 (Solid pick) and the Capital One Savor scores 84/100 (Solid pick). Readers whose spend is spread across everyday categories with no dining or entertainment concentration should lean Capital One Quicksilver Cash Rewards; households that spend meaningfully on dining, groceries, and entertainment or streaming should lean Capital One Savor. Take the 60-second quiz to see which fits your profile.
The Capital One Quicksilver Cash Rewards carries $0 (no annual fee), sourced from the issuer's published Schumer Box as of July 20, 2026. The Capital One Savor carries $0 (no annual fee), as of July 22, 2026. Fees change — confirm the current number at the issuer before you decide.
The Capital One Quicksilver Cash Rewards is the one with a 0% intro offer: 0% for 15 months on purchases and balance transfers. Capital One Savor offers 0% on purchases and balance transfers for 12 months. Intro terms are variable — verify the current window at the issuer.
We score every card across five dimensions — effective rewards, fee structure, audience fit, transparency, and the weakness named — 0–20 each for a 100-point total. The Capital One Quicksilver Cash Rewards earned 85/100 and the Capital One Savor earned 84/100. Scoring follows our published methodology and is never influenced by compensation.
Independent editorial comparison. ClearValue Cards is not a card issuer, a bank, or a lender. ClearValue Cards earns compensation through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool, and through separately labeled, paid partner placements (marked "Advertiser Disclosure · Sponsored") that sit outside our card rankings. Neither compensation source influences editorial scoring or ordering. Card facts are sourced from each issuer's published Schumer Box and terms — confirm current numbers at the issuer. See disclosure.
