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Wells Fargo Active 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 14.0 pts. Scores: Wells Fargo Active Cash 61.9%, Capital One Quicksilver 75.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Wells Fargo Active Cash nets $461/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: 8.0 · Quicksilver: 6.0
• Sign-up bonusCash: 1.3 · Quicksilver: 2.7
• Intro 0% APRCash: 5.7 · Quicksilver: 7.1
• Regular APRCash: 7.3 · Quicksilver: 7.3
• Foreign transaction feeCash: 3.0 · Quicksilver: 10.0
• Regulatory record (CFPB)Cash: 8.0 · Quicksilver: 10.0

Downsides

• Wells Fargo Active Cash61.9%
  Wells Fargo · cash back
  Annual fee $0APR 18.74%–28.74% variableRewards Unlimited 2% cash rewards on purchasesCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.74% if you carry a balance

• 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, Wells Fargo Active 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.