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Capital One Savor 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: too close to call (less than 3 points apart). Scores: Capital One Savor 73.9%, Capital One Quicksilver 75.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Savor nets $430/yr, Capital One Quicksilver nets $346/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeSavor: 10.0 · Quicksilver: 10.0
• Rewards rateSavor: 6.0 · Quicksilver: 6.0
• Sign-up bonusSavor: 2.7 · Quicksilver: 2.7
• Intro 0% APRSavor: 5.7 · Quicksilver: 7.1
• Regular APRSavor: 7.3 · Quicksilver: 7.3
• Foreign transaction feeSavor: 10.0 · Quicksilver: 10.0
• Regulatory record (CFPB)Savor: 10.0 · Quicksilver: 10.0

Downsides

• Capital One Savor73.9%
  Capital One · cash back
  Annual fee $0Interest rate (APR) 18.74%–28.74% variableRewards 3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% otherCredit Excellent

  ⚠ APR up to 28.74% if you carry a balance · Late fee up to $40 · Grocery 3% excludes superstores like Walmart/Target per issuer terms.

• 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, Capital One Savor or Capital One Quicksilver?

On VaultRubric's rubric: too close to call. 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.