A flat-rate, no-fee cash-back card against a fee-based, category-earning one — and the two now also target different credit tiers. The Quicksilver earns a flat 1.5% on everything for $0/yr and is built for good-to-excellent credit. SavorOne (relaunched by Capital One in October 2024) earns 3% on dining, entertainment, popular streaming, and grocery stores, but now carries a $39 annual fee and targets fair credit (roughly 580-669). If your spend clusters around food and fun and you're in that credit band, SavorOne can still win on rate — but it's no longer a free card to compare against a free one.
Scored against our published methodology · Updated July 21, 2026
Take the 60-second quiz
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
Fair-credit applicants (roughly 580-669) who eat out and stream a lot — 3% cash back on dining, entertainment, popular streaming, and grocery stores, plus 8% on Capital One Entertainment purchases and 5% on hotels/rental cars booked through Capital One Travel, for a $39 annual fee and no foreign transaction fee.
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 July 21, 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 SavorOne Cash Rewards |
|---|---|---|
| Annual fee | $0 | $39 |
| 0% intro APR period | 15 months | None |
| Ongoing APR (from) | 18.49% | 28.99% |
| Foreign transaction fee | None | None |
| Rewards score | 15/20 | 17/20 |
| Fee-structure score | 20/20 | 13/20 |
| ClearValue score | 85/100 | 79/100 |
| Balance transfer fee | 3% during the 15-month intro window, 4% after | $0 at the transfer APR; 4% of each transferred balance at a promo APR |
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 Annual fee, the Capital One Quicksilver Cash Rewards leads ($0).
Good-to-excellent-credit readers who spend evenly and don't want to pay a fee or track categories
1.5% on every dollar with no bonus map to manage, no annual fee, no FX fee, and a 0% intro-APR window bundled in. When your spending doesn't concentrate in dining or groceries, a flat 1.5% at $0/yr beats a 3%/1% card that costs $39.
See your matchesFair-credit applicants (roughly 580-669) with dining-, grocery-, and entertainment-heavy spend who don't yet qualify for a no-fee card like Quicksilver
3% on restaurants, entertainment, streaming, and grocery stores (superstores excluded) clears the $39 fee at roughly $1,300/yr of bonus-category spend and keeps earning above that. For this credit tier it's a stronger everyday-spend card than a secured or credit-builder product, with a real cash-back rate attached.
See your matchesAnyone who wants travel-transfer value — these are straight cash-back cards with no airline or hotel partners. And heavy spenders in a single non-Savor category (say, gas) may do better with a card that pays 5% there.
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 quizAnnual fee
Capital One Quicksilver Cash Rewards: $0
Capital One SavorOne Cash Rewards: $39
Credit tier targeted
Capital One Quicksilver Cash Rewards: Good to excellent credit
Capital One SavorOne Cash Rewards: Fair credit (roughly 580-669)
Base rate
Capital One Quicksilver Cash Rewards: 1.5% on everything
Capital One SavorOne Cash Rewards: 1% outside the bonus categories
Bonus earning
Capital One Quicksilver Cash Rewards: None — the 1.5% is flat
Capital One SavorOne Cash Rewards: 3% on dining, entertainment, popular streaming, and grocery stores (superstores excluded)
Foreign transaction fee
Capital One Quicksilver Cash Rewards: None
Capital One SavorOne Cash Rewards: None
Who comes out ahead
Capital One Quicksilver Cash Rewards: Wins when spend is spread out and you don't want to carry a fee — most dollars earn the flat 1.5% for $0/yr
Capital One SavorOne Cash Rewards: Wins when a large share of spend lands in the 3% categories and clears the $39 fee (roughly $1,300/yr)
Honest knock
Capital One Quicksilver Cash Rewards: 1.5% is the floor of the flat-rate market — a 2% card beats it if you don't need the bundle
Capital One SavorOne Cash Rewards: It's no longer the $0-fee card its old name implies — the $39 fee and fair-credit targeting are easy to miss if you're comparing from memory
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 SavorOne Cash Rewards scores 79/100 (Worth considering). Good-to-excellent-credit readers who spend evenly and don't want to pay a fee or track categories should lean Capital One Quicksilver Cash Rewards; fair-credit applicants (roughly 580-669) with dining-, grocery-, and entertainment-heavy spend who don't yet qualify for a no-fee card like Quicksilver should lean Capital One SavorOne Cash Rewards. 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 SavorOne Cash Rewards carries $39, as of July 21, 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 SavorOne Cash Rewards has no 0% intro period. 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 SavorOne Cash Rewards earned 79/100. 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.
