Rubric ☰ Compare Categories Calculators Markets Ask How scoring works Home › Credit cards › Compare › PNC Cash Unlimited vs Capital One Quicksilver
PNC Cash Unlimited 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.
Rubric: Capital One Quicksilver leads by None pts. Scores: PNC Cash Unlimited 57.0%, Capital One Quicksilver 75.9%.
Criterion scores (0–10) Annual fee Unlimited: 10.0 · Quicksilver: 10.0 Rewards rate Unlimited: n/a · Quicksilver: 6.0 Sign-up bonus Unlimited: n/a · Quicksilver: 2.7 Intro 0% APR Unlimited: 0.0 · Quicksilver: 7.1 Regular APR Unlimited: 7.2 · Quicksilver: 7.3 Foreign transaction fee Unlimited: 10.0 · Quicksilver: 10.0 Regulatory record (CFPB) Unlimited: n/a · Quicksilver: 10.0 PNC Cash Unlimited Issuer PNC Type cash back Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee) files.consumerfinance.gov, 2025-12-31 Regular purchase APR 18.49%–29.24% variable files.consumerfinance.gov, 2025-12-31 Rewards not found pnc.com, 2026-10-12 Sign-up bonus (≈$) not found pnc.com, 2026-10-12 Intro APR none No intro APR shown pnc.com, 2026-10-12 Foreign transaction fee none files.consumerfinance.gov, 2025-12-31 Penalty APR up to 34.24% variable; from the agreement's pricing table (daily rate 0.09380%) files.consumerfinance.gov, 2026-06-30 Late fee up to $38 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31 Balance transfer fee 5% files.consumerfinance.gov, 2025-12-31 Cash advance fee 5% files.consumerfinance.gov, 2025-12-31 Credit needed 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 21 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 29.24% files.consumerfinance.gov, 2025-12-31 Capital One Quicksilver Issuer Capital One Type cash back Annual fee $0 capitalone.com, 2026-10-11 Regular purchase APR 18.74%–28.74% variable capitalone.com, 2026-10-11 Rewards Unlimited 1.5% cash back capitalone.com, 2026-10-11 Sign-up bonus (≈$) $200 $200 after $500 in 3 months capitalone.com, 2026-10-11 Intro APR 15 months 0% intro APR 15 months on purchases and balance transfers capitalone.com, 2026-10-11 Foreign transaction fee none capitalone.com, 2026-10-11 Penalty APR none No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30 Late fee up to $40 up to; Up to $29.00 for first late fee files.consumerfinance.gov, 2025-12-31 Balance transfer fee not found files.consumerfinance.gov, 2025-12-31 Cash advance fee 5% files.consumerfinance.gov, 2025-12-31 Credit needed Excellent capitalone.com, 2026-10-11 Grace period 25 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 28.24% 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 PNC · cash back · limited data Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee) APR 18.49%–29.24% variable Rewards not found Credit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 29.24% if you carry a balance · Penalty APR up to 34.24% · Late fee up to $38
Capital One · cash back Annual fee $0 APR 18.74%–28.74% variable Rewards Unlimited 1.5% cash back Credit 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, PNC Cash Unlimited 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.