USAA Preferred Cash Rewards vs Capital One QuicksilverOne
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 QuicksilverOne leads by None pts. Scores: USAA Preferred Cash Rewards 56.9%, Capital One QuicksilverOne 53.4%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): USAA Preferred Cash Rewards nets $346/yr, Capital One QuicksilverOne nets $307/yr after annual fees. Use your own numbers →
Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee)APR 15.65%–27.65% variableRewards 1.5% baseCredit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 27.65% if you carry a balance · Late fee up to $35 · Unlimited 1.5% cash back (per the card's Visa card-finder listing; USAA's page blocks automated reads). USAA membership required.
Annual fee $39 (CFPB TCCP; issuer page did not render a clear fee)APR 29.24% variableRewards 1.5% baseCredit no credit score, ≤619 (CFPB TCCP targeted tiers)
⚠ $39 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 29.24% 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, USAA Preferred Cash Rewards or Capital One QuicksilverOne?
On VaultRubric's rubric: Capital One QuicksilverOne 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.