Capital One Venture Rewards Credit Card vs. Capital One Quicksilver Cash Rewards Credit Card

Two of Capital One’s most popular credit cards are the Capital One Venture Rewards Credit Card and the Capital One Quicksilver Cash Rewards Credit Card. One offers better travel benefits and rewards, and the other offers straightforward cash back on everything you purchase. We’ll compare these cards so you can decide which one to apply for, or if you want to apply for both.

Capital One Venture Rewards Credit Card

Overall Rating
4.5

Welcome Offer
Enjoy a one-time bonus of 75,000 Miles

Rewards Range
2x - 5x miles

Annual Fee
$95

Regular APR
19.99% - 29.99%

0% APR on Purchases
N/A

0% APR on Balance Transfers
N/A

Foreign Transaction Fee
None

Capital One Quicksilver Cash Rewards Credit Card

Overall Rating
4.5

Welcome Offer
One-time $200 cash bonus

Rewards Range
1.5%

Annual Fee
$0

Regular APR
19.99% - 29.99%

0% APR on Purchases
15 months

0% APR on Balance Transfers
15 months

Foreign Transaction Fee
None

Welcome Offer

Capital One Venture Rewards Credit Card: Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. If you transfer these points to any of Capital One’s 15+ partners, they can be worth more than if you just redeem them as a statement credit.

Capital One Quicksilver Cash Rewards Credit Card: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening This is a modest offer, but the spend is easily achievable for most people.

One card isn’t really better than the other; it depends on your spending habits. However, the Capital One Venture Rewards Credit Card offer is worth up to Up to $1,312.50, but you also have to spend more to get it.

Cash Back Rewards

With Capital One Venture Rewards Credit Card, you earn 5X miles on hotels and rental cars booked through Capital One, and 2X miles on all other purchases. This is a simple rewards structure that will appeal to people who enjoy traveling and don’t want to fuss with categories. You also get a $100 credit for Global Entry or TSA PreCheck and two complimentary visits to Capital One lounges.

Capital One Quicksilver Cash Rewards Credit Card makes things even easier: you’ll earn 1.5% cash back on every purchase, every day. You also get 5% cash back on hotels and rental cars booked through Capital One. You also get six months of Uber One membership statement credits through 11/14/24.

Rewards wise, these cards are very similar. With Capital One Venture Rewards Credit Card you earn 2X miles per purchase and with Capital One Quicksilver Cash Rewards Credit Card you earn cash back. 2X is essentially 2% cash back, BUT the Venture has an annual fee, which we’ll get to in a minute.

Here are the rewards for each card:

Capital One Venture Rewards Credit Card

Rewards:

2x miles
All eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Hotels
5 Miles per dollar on hotels and rental cars booked through Capital One Travel

Capital One Quicksilver Cash Rewards Credit Card 

Rewards:

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

Rates and Fees

Capital One Quicksilver Cash Rewards Credit Card offers 0% intro APR on purchases and balance transfers for the first 15 months the card is open. After that, your rate will be 19.99% - 29.99%, variable depending on creditworthiness.

Capital One Venture Rewards Credit Card does not have an introductory offer at this time. Your rate will be 19.99% - 29.99%, depending on creditworthiness.

Capital One Venture Rewards Credit Card has an annual fee of $95, whereas the Capital One Quicksilver Cash Rewards Credit Card does not have an annual fee. Neither card has a foreign transaction fee.

Who the Capital One Venture Rewards Credit Card is Best For

Capital One Venture Rewards Credit Card is a great card for people who like to travel but don’t do it that often. It offers a good welcome bonus, and in addition to the rewards, you also get a few travel perks, such as auto collision damage waiver and travel accident insurance. However, if you travel a lot, you might be happier with the Capital One Venture X Rewards Credit Card. You get more travel rewards, such as a $300 travel credit and an anniversary bonus. You get more travel perks as well, including unlimited airport lounge access. The annual fee is higher, but the travel credit and the anniversary bonus make up for it.

Who the Capital One Quicksilver Cash Rewards Credit Card is Best For

The Capital One Quicksilver Cash Rewards Credit Card is a great choice for people who want a simple cash back structure and are interested in an introductory 0% APR, all for no annual fee. You also get a signup bonus which should be easy to attain.

If you want to maximize your cash back rewards, the Chase Freedom Unlimited® offers 5% cash back on travel purchased through Chase Travel, 3% at drugstores and restaurants, and 1.5% cash back on everything else. There’s also a sweet welcome offer with this card: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. This card also has no annual fee.

Does it make sense to get both cards?

Maybe. You could get both cards and use the Venture primarily for travel and the Quicksilver for the cash back rewards. You only have to pay one annual fee of $95, so the initial cash outlay is pretty minimal. You could also take advantage of the 0% intro APR offered by the Capital One Quicksilver Cash Rewards Credit Card. This could be a great choice to make a major purchase or pay off other debt.

Approval Odds

The credit score data provided below comes from publicly available information in several forums. The accuracy of the information cannot be verified. Keep in mind that credit card issuers consider more than an applicant’s credit score and that underwriting standards change over time.

Capital One Venture Rewards Credit Card

App StatusDateCredit ScoreBureauCredit Limit
Approved07/11/2023
686
TransUnion
$5,000
Approved07/11/2023
688
Equifax
$5,000
Approved07/11/2023
691
Experian
$5,000
Approved04/19/2024
783
Experian
$3,000
Approved04/19/2024
803
Equifax
$3,000

Capital One Quicksilver Cash Rewards Credit Card

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
---

The Capital One Quicksilver Cash Rewards Credit Card is a good card for people with lower credit scores in the 640 to 650 range. The Capital One Venture Rewards Credit Card requires higher scores, but the credit limits are also much higher.