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U.S. Bank Cash+ 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 12.2 pts. Scores: U.S. Bank Cash+ 63.7%, Capital One Quicksilver 75.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): U.S. Bank Cash+ nets $362/yr, Capital One Quicksilver nets $346/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeCash+: 10.0 · Quicksilver: 10.0
Rewards rateCash+: 6.0 · Quicksilver: 6.0
Sign-up bonusCash+: 2.7 · Quicksilver: 2.7
Intro 0% APRCash+: 7.1 · Quicksilver: 7.1
Regular APRCash+: 7.8 · Quicksilver: 7.3
Foreign transaction feeCash+: 3.0 · Quicksilver: 10.0
Regulatory record (CFPB)Cash+: 8.0 · Quicksilver: 10.0

U.S. Bank Cash+

IssuerU.S. Bank
Typecash back
Annual fee$0 usbank.com, 2026-10-11
Regular purchase APR17.99%–28.24% variable usbank.com, 2026-10-11
Rewards5% on two chosen categories (first $2,000/quarter); 2% one everyday category; 1% other usbank.com, 2026-10-11
Sign-up bonus (≈$)$200 $200 after $1,000 in 90 days usbank.com, 2026-10-11
Intro APR15 months 0% intro APR 15 billing cycles on purchases and balance transfers usbank.com, 2026-10-11
Foreign transaction fee3% Up to 3% of each foreign transaction (scored at 3%) applications.usbank.com, 2026-10-11
Penalty APRnone Agreement: 'There is no Penalty Rate for your Account.' consumerfinance.gov, 2026-06-30
Late feeup to $41 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee5% 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 period26 days files.consumerfinance.gov, 2025-12-31
Cash advance APR30.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)17.74%–27.99% 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

U.S. Bank Cash+63.7%
U.S. Bank · cash back
Annual fee $0APR 17.99%–28.24% variableRewards 5% on two chosen categories (first $2,000/quarter); 2% one everyday category; 1% otherCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 28.24% if you carry a balance · Late fee up to $41
Capital One Quicksilver75.9%
Capital One · cash back
Annual fee $0APR 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, U.S. Bank Cash+ 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.