Capital One QuicksilverOne vs Capital One SavorOne
Side-by-side comparison
| Capital One QuicksilverOne | Capital One SavorOne | |
|---|---|---|
| Annual fee | $39 | $39 |
| Welcome offer | No current offer | No current offer |
| Dining | 1.5x | 3x |
| Groceries | 1.5x | 3x |
| Gas | 1.5x | 1x |
| Travel | 1.5x | 1x |
| Streaming | 1.5x | 3x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $437 | $484 |
| Points type | Pools with Capital One → transferable | Pools with Capital One → transferable |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Capital One QuicksilverOne earns about $437 a year in rewards and the Capital One SavorOne about $484, valuing every point at a flat 1 cent. The Capital One QuicksilverOne charges $39, which you clear through its rewards and perks. The Capital One SavorOne charges $39, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Capital One SavorOne delivers more total value, about $46 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book.
Pick the Capital One QuicksilverOne if your spending leans toward gas, travel, everything else. Pick the Capital One SavorOne if your spending leans toward dining, groceries, streaming.