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BofA Unlimited Cash Rewards vs Capital One Quicksilver

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Our score: Capital One Quicksilver is ahead by 11.0 points. Scores: BofA Unlimited Cash Rewards 64.9%, Capital One Quicksilver 75.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Unlimited Cash Rewards nets $346/yr, Capital One Quicksilver nets $346/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeRewards: 10.0 · Quicksilver: 10.0
Rewards rateRewards: 6.0 · Quicksilver: 6.0
Sign-up bonusRewards: 3.3 · Quicksilver: 2.7
Intro 0% APRRewards: 7.1 · Quicksilver: 7.1
Regular APRRewards: 8.0 · Quicksilver: 7.3
Foreign transaction feeRewards: 3.0 · Quicksilver: 10.0
Regulatory record (CFPB)Rewards: 8.0 · Quicksilver: 10.0

BofA Unlimited Cash Rewards

IssuerBank of America
Typecash back
Annual fee$0 bankofamerica.com, 2026-10-12
Regular purchase APR17.74%–27.74% variable bankofamerica.com, 2026-10-12
Rewards1.5% base bankofamerica.com, 2026-10-12
Sign-up bonus (≈$)$250 $250 online cash rewards bonus offer bankofamerica.com, 2026-10-12
Intro APR15 months 0% for 15 billing cycles bankofamerica.com, 2026-10-12
Foreign transaction fee3% files.consumerfinance.gov, 2025-12-31
Penalty APRup to 29.99% up to; per BofA agreement consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee4% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)17.49%–28.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Capital One Quicksilver

IssuerCapital One
Typecash back
Annual fee$0 capitalone.com, 2026-10-11
Regular purchase APR18.74%–28.74% variable capitalone.com, 2026-10-11
RewardsUnlimited 1.5% cash back capitalone.com, 2026-10-11
Sign-up bonus (≈$)$200 $200 after $500 in 3 months capitalone.com, 2026-10-11
Intro APR15 months 0% intro APR 15 months on purchases and balance transfers capitalone.com, 2026-10-11
Foreign transaction feenone capitalone.com, 2026-10-11
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededExcellent capitalone.com, 2026-10-11
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR28.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)27.49%–28.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

BofA Unlimited Cash Rewards64.9%
Bank of America · cash back
Annual fee $0Interest rate (APR) 17.74%–27.74% variableRewards 1.5% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 27.74% if you carry a balance · Penalty interest rate (APR) up to 29.99%
Capital One Quicksilver75.9%
Capital One · cash back
Annual fee $0Interest rate (APR) 18.74%–28.74% variableRewards Unlimited 1.5% cash backCredit Excellent
⚠ APR up to 28.74% if you carry a balance · Late fee up to $40

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, BofA Unlimited Cash Rewards or Capital One Quicksilver?

On VaultRubric's rubric: Capital One Quicksilver scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.