capital one trifecta

Should You Own the Capital One Trifecta?

A credit card trifecta is a strategic combination of three complementary credit cards designed to maximize rewards and benefits across various spending categories. By selecting cards that excel in different areas—such as travel, dining, groceries, or everyday purchases—cardholders can optimize their reward earnings and take advantage of various perks and bonuses.

The Capital One trifecta includes the three credit cards below.

  1. Capital One Quicksilver Cash Rewards Credit Card
  2. Capital One SavorOne Cash Rewards Credit Card
  3. Capital One Venture X Rewards Credit Card

Each card offers coverage in most everyday spending categories while offering several additional perks and up-front bonuses that can enrich your rewards experience. Let’s break them down and determine whether they’re a good fit for your spending habits.

The Capital One Trifecta

Card #1 – Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver

Our Rating: 4.5

★★★★

Capital One Quicksilver Cash Rewards Credit Card

Welcome Offer

One-time $200 cash bonus

Est. Value

$200

Annual Fee

$0

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 1.5% cash back on all eligible purchases and 5% cash back on hotels and car rentals booked through Capital One Travel.

The Capital One Quicksilver Cash Rewards Credit Card offers decent cash back rewards on every purchase. There’s no annual fee and no foreign transaction fees. There’s also a 0% intro APR offer on purchases and balance transfers for 15 months, then 19.99% - 29.99% variable APR. It’s a good card for everyday use and travel.

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other eligible purchases
5% cash back
Hotels
Earn 5% cash back on hotels booked through Capital One Travel
5% cash back
Rental Cars
Earn 5% cash back on car rentals booked through Capital One Travel

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee

Cons

  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved10/15/2023
780
Not Provided
---
Approved01/15/2024
650
Not Provided
$2,000
Approved10/01/2023
700
Not Provided
$1,000
Denied04/01/2023
750
Not Provided
---
Denied06/30/2023
768
Not Provided
---

Card #2 – Capital One Venture X Rewards Credit Card 

Capital One Venture X

Our Rating: 4.9

★★★★

Capital One Venture X Rewards Credit Card

Welcome Offer

Earn 75,000 bonus miles

Est. Value

Up to $1,312.50

Annual Fee

$395

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent

Rewards: Earn up to 10 rewards miles per dollar spent on travel booked through Capital One plus an excellent up front welcome offer.

The Capital One Venture X Rewards Credit Card offers a great welcome bonus; plus, when you combine that with the $300 travel credit, it’s like Capital One pays you to carry this card. It also offers 10,000 points on your cardmember anniversary and great mile rewards on travel. Even if you only travel occasionally, this is a great pick.

2x miles
On all other eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Airfare
5 Miles per dollar on flights booked through Capital One Travel
10x miles
Hotels
10 Miles per dollar on hotels booked through Capital One Travel
10x miles
Rental Cars
10 Miles per dollar on rental cars booked through Capital One Travel

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 10x miles on purchases

Cons

  • Annual fee
  • Requires excellent credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/28/2024
791
Experian
$30,000
Approved04/08/2023
730
Not Provided
---
Approved04/25/2024
634
Not Provided
$3,000
Approved04/25/2024
650
Not Provided
$3,000
Approved04/25/2024
666
Not Provided
$3,000
Approved10/11/2023
820
Equifax
$20,000
Approved10/11/2023
828
TransUnion
$20,000
Approved10/11/2023
830
Experian
$20,000
Approved10/03/2023
800
Not Provided
$20,000
Approved04/11/2024
696
TransUnion
$15,000
Approved04/11/2024
702
Equifax
$15,000
Approved04/11/2024
728
Experian
$15,000
Approved05/27/2024
820
Experian
$30,000
Approved07/12/2023
677
Not Provided
$10,000
Approved08/08/2023
735
Experian
$10,000
Approved08/08/2023
739
TransUnion
$10,000
Approved08/08/2023
741
Equifax
$10,000
Approved11/04/2023
715
TransUnion
$20,000
Approved11/04/2023
717
Experian
$20,000
Approved09/18/2023
813
Not Provided
$20,000
Approved03/06/2023
720
Experian
$20,000
Approved03/06/2023
732
Equifax
$20,000
Approved03/06/2023
735
TransUnion
$20,000
Approved05/09/2024
758
Not Provided
$10,000
Approved09/13/2023
719
Not Provided
$15,000
Approved01/23/2024
822
TransUnion
$30,000
Approved01/23/2024
827
Experian
$30,000
Approved12/03/2023
734
Equifax
$20,000
Approved12/03/2023
744
TransUnion
$20,000
Approved12/03/2023
758
Experian
$20,000
Approved09/27/2023
741
Not Provided
$10,000
Approved12/14/2023
750
Experian
$10,000
Approved10/19/2023
776
Not Provided
$20,000
Approved04/10/2024
705
Experian
$30,000
Denied04/23/2024
815
Not Provided
---
Denied09/12/2023
761
Experian
---
Denied09/12/2023
776
Equifax
---
Denied09/12/2023
787
TransUnion
---
Denied12/31/2023
741
TransUnion
---
Denied12/31/2023
775
Equifax
---
Denied12/05/2023
754
TransUnion
---
Denied12/05/2023
769
Experian
---
Denied12/05/2023
777
Equifax
---
Denied04/03/2024
760
Not Provided
---

Card #3 – Capital One SavorOne Cash Rewards Credit Card

SavorOne Student

Our Rating: 4.5

★★★★

Capital One SavorOne Cash Rewards Credit Card

Welcome Offer

$200 Cash Back

Est. Value

$200

Annual Fee

$0

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 10% cash back on Uber & Uber Eats. 8% cash back on Capital One Entertainment. 5% cash back on hotels and rental cars booked through Capital One Travel. 3% cash back on dining, entertainment, popular streaming services, and grocery stores excluding superstores. Earn 1% cash back on other purchases.

The Capital One SavorOne Cash Rewards Credit Card offers elevated cash back on several everyday purchases. There’s no annual fee and no foreign transaction fees. There’s also a 0% intro APR offer on purchases and balance transfers for 15 months, then 19.99% - 29.99% variable APR. If you want to carry just one credit card for everyday use and travel and you don’t want to pay an annual fee, this is a great fit.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 10% cash back

Cons

  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved04/06/2023
740
Not Provided
$1,000
Approved09/13/2023
720
TransUnion
$10,000
Approved09/13/2023
740
Equifax
$10,000
Approved09/13/2023
780
Not Provided
$10,000
Approved12/05/2023
760
Not Provided
$10,000
Approved02/01/2023
661
Experian
$5,000
Approved02/01/2023
729
TransUnion
$5,000
Approved05/11/2023
815
Not Provided
$10,000
Approved06/08/2023
620
Not Provided
$5,000
Approved04/04/2023
700
Not Provided
$1,000
Approved08/14/2023
734
Experian
$1,000
Approved08/14/2023
738
Not Provided
$1,000
Approved02/02/2023
795
Not Provided
$15,000
Approved02/02/2023
803
Not Provided
$15,000
Approved09/05/2023
820
Experian
$40,000
Approved04/12/2023
768
Equifax
$20,000
Approved04/12/2023
768
TransUnion
$20,000
Approved04/12/2023
772
Experian
$20,000
Approved02/12/2023
657
TransUnion
$1,000
Approved08/10/2023
672
Not Provided
---
Approved08/10/2023
803
Experian
---
Denied06/16/2023
700
Not Provided
---
Denied10/25/2023
776
Not Provided
---
Denied10/25/2023
778
Not Provided
---
Denied03/08/2023
811
TransUnion
---
Denied03/26/2024
736
Experian
---
Denied06/17/2023
797
Not Provided
---
Denied08/05/2023
710
Not Provided
---
Denied12/02/2023
771
TransUnion
---
Denied12/02/2023
804
Experian
---

How Much You’ll Save with the Capital One Trifecta

CategoryMonthly SpendingAnnual Cash Back w/ QuicksilverAnnual Cash Back w/ SavorOneAnnual Miles w/ Venture X
U.S. Grocery Stores (3%)$500$180
U.S. Gas (1.5%)$200$36
Travel w/ Cap One (5%)$50030,000
Dining Out (3%)$250$90
Shopping (1.5%)$100$18
Other (1.5%)$1,100$198
ANNUAL REWARDS $252$27030,000
  • Capital One Trifecta Annual Rewards – 30,000 Miles + $522
  • Effective Rewards Rate – 2.58%

The only card in the trifecta that charges an annual fee is the Capital One Venture X Rewards Credit Card, and it’s $395. This annual fee can be offset with the $300 yearly travel credit the card offers, 10,000 bonus miles on the anniversary of your account opening every year, and the “up to” $100 credit for Global Entry or TSA PreCheck®. The annual fee pays for itself as long as you travel even a little bit.

Capital One Up-Front Bonus Offers

All three cards in the Capital One Trifecta will earn you a welcome bonus for signing up and meeting the spending requirement.

  1. Capital One Venture X Rewards Credit Card – Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
  2. Capital One Quicksilver Cash Rewards Credit Card – One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  3. Capital One SavorOne Cash Rewards Credit Card – $200 Cash Back after you spend $500 on purchases within 3 months from account opening

Owning all three would add $400 and 75,000 miles to your first-year rewards earned, more than doubling the total haul.

The Capital One Bifecta May Be Better for You

Because the Capital One Venture X Rewards Credit Card offers 2x miles per dollar on all purchases, you may consider not carrying the Capital One Quicksilver Cash Rewards Credit Card and keeping two Capital One cards in your wallet. I prefer cash rewards because they’re more flexible, but as long as you don’t redeem your miles for cash, you’ll save a little more by redeeming them through the Capital One travel portal.

Capital One Quicksilver Cash Rewards Credit Card also offers an excellent introductory APR offer (Get 0% on purchases and balance transfers for 15 months, then a variable APR of 19.99% - 29.99%) and an up-front bonus, again providing more flexibility if needed.

Alternative Capital One Cards to Consider

Capital One Spark Cash Plus

Capital One Spark Cash Plus

Our Rating: 4.8

★★★★

Capital One Spark Cash Plus

Welcome Offer

$1,200 Cash Back

Est. Value

$1,500

Annual Fee

$150

APR

N/A Variable

Credit Req’d

Excellent

Rewards: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. 2% cash back on all other purchases.

Capital One Spark Cash Plus is a charge card for business owners with an excellent flat rate of 2% cash back on all purchases. You must pay the card in full every month. There are no foreign transaction fees.

2% cash back
On all other eligible purchases
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions.
5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back
  • unlimited 2% cash back

Cons

  • Annual fee
  • Requires good credit
  • Pay your balance at the end of the month
App StatusDateCredit ScoreBureauCredit Limit
Approved11/01/2023
790
Not Provided
---

This high-end Capital One charge card offers 2% cash back on all purchases. Because it includes an annual fee, you’d have to spend at least $25,000 annually to earn more cashback than you would with the Quicksilver, so it should only be considered an add-on for big spenders.

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne

Our Rating: 4.4

★★★★

Capital One QuicksilverOne Cash Rewards Credit Card

Welcome Offer

Earn unlimited 1.5% cash back

Est. Value

None

Annual Fee

$39

APR

29.99% Variable

Credit Req’d

Average, Fair, Limited

Rewards: Earn unlimited 1.5% cash back on every purchase.

The Capital One QuicksilverOne Cash Rewards Credit Card offers simple cash back on every purchase. There is a $39 annual fee but no foreign transaction fees. If you have less-than-perfect credit but still want a good card with decent cash back, this card may work for you.

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on every purchase, every day
5% cash back
Hotels
Earn 5% cash back on hotels booked through Capital One Travel (terms apply)
5% cash back
Rental Cars
Earn 5% cash back on rental cars booked through Capital One Travel (terms apply)

Pros

  • No foreign transaction fee
  • helps build credit

Cons

  • Annual fee
  • No welcome bonus
  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved06/01/2023
621
Not Provided
$2,000

The Capital One QuicksilverOne Cash Rewards Credit Card offers the same cash-back rate (without the introductory perks or welcome offer) but is designed for consumers with less-than-excellent credit. If your credit score is between 670 and 720, this Quicksilver version is more likely to find its way into your wallet.

Frequently Asked Questions (FAQ)

What is the strongest benefit of the Capital One Quicksilver Cash Rewards Credit Card?

The Capital One Quicksilver Cash Rewards Credit Card‘s best benefit is its no foreign transaction fees policy. This is particularly advantageous for frequent travelers, as it allows you to purchase abroad without incurring additional charges, making it an excellent choice for international use.

What perk stands out when using the Capital One SavorOne Cash Rewards Credit Card?

The Capital One SavorOne Cash Rewards Credit Card offers complimentary access to premium entertainment events. Cardholders get exclusive access to various experiences, such as VIP tickets to concerts, sports events, and dining experiences, providing unique opportunities to enhance lifestyle and leisure activities.

Am I granted lounge access by owning the Capital One Venture X Rewards Credit Card?

Cardholders receive unlimited access to Capital One Lounges and over 1,300 Priority Pass lounges, which offer a luxurious and comfortable travel experience with amenities like complimentary food and beverages, Wi-Fi, and relaxation areas.

Is the Capital One Trifecta Worth Having in Your Wallet?

The Capital One trifecta offers a little bit of everything, and its most substantial benefit to cardholders is when miles are transferred to partners or redeemed through the Capital One travel portal. The Capital One Venture X Rewards Credit Card is one of the best premier credit cards available today, and when paired with a few focused cash-back credit cards, the rewards earned on everyday purchases are pretty good.

That said, trifecta offers the lowest rewards rate of the four, compared with those from Citi, Chase, and American Express. Of course, if you’re not beholden to a single credit card issuer, your best strategy is to analyze your spending habits and find the three best credit cards for you, irrespective of the issuer.