Capital One Quicksilver vs Instacart Mastercard®
Side-by-side comparison
| Capital One Quicksilver | Instacart Mastercard® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash bonus | $50 Instacart credit on approval |
| Dining | 1.5x | 2x |
| Groceries | 1.5x | 1x |
| Gas | 1.5x | 2x |
| Travel | 1.5x | 1x |
| Streaming | 1.5x | 2x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $437 | $349 |
| Points type | Pools with Capital One → transferable | Cash back only |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Capital One Quicksilver | Instacart Mastercard® |
|---|---|---|
| Welcome bonus | $200 cash bonus | $50 Instacart credit on approval |
| To earn it | $500 in 3 months | None |
| Est. first-year value* | $637 | $399 |
| Est. ongoing value / yr* | $437 | $349 |
The Capital One Quicksilver wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Capital One Quicksilver | Instacart Mastercard® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable (paired with a premium card) | Cash back only |
On perks and redemptions, the Capital One Quicksilver earns transferable points with a higher redemption ceiling, while the other is capped nearer a flat cent. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Only the Capital One Quicksilver earns transferable points. Its Capital One miles move to Air Canada, Avianca LifeMiles, Turkish, British Airways, and Emirates, where a point can be worth several cents on a premium-cabin redemption, far above its cash value. The Instacart Mastercard® pays flat cash back, worth about a cent, so its ceiling is nearer a penny per point no matter how you redeem.
The verdict
On a typical year of household spending, the Capital One Quicksilver earns about $437 a year in rewards and the Instacart Mastercard® about $349, valuing every point at a flat 1 cent. The Capital One Quicksilver has no annual fee, so its rewards are all profit. The Instacart Mastercard® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Capital One Quicksilver delivers more total value, about $88 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. The bigger difference is the ceiling: the Capital One Quicksilver earns points you can move to travel partners for outsized value, while the Instacart Mastercard® pays plain cash back. Favor the Capital One Quicksilver if you will use travel transfers, the Instacart Mastercard® if you want simplicity. On the sign-up bonus, the Capital One Quicksilver currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Quicksilver if your spending leans toward groceries, travel, everything else. Pick the Instacart Mastercard® if your spending leans toward dining, gas, streaming.