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

Welcome Bonus

Capital One Venture Rewards Credit Card is currently offering 75,000 bonus miles when you spend $4,000 in the first 3 months. 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 offers a one-time $200 bonus when you spend $500 in the first 3 months. This is a modest signup bonus, 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 bonus is worth up to $750, 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:

Capital One Quicksilver Cash Rewards Credit Card 

Rewards:

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 19.24% - 29.24%, variable depending on creditworthiness.

Capital One Venture Rewards Credit Card does not have an introductory offer at this time. Your rate will be 20.24% - 28.24%, 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 Ultimate Rewards, 3% at drugstores and restaurants, and 1.5% cash back on everything else. Instead of a signup bonus, Chase is offering an additional 1.5% cash back on all purchases, up to $20,000. 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

Capital One Quicksilver Cash Rewards Credit Card

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.