Capital One Quicksilver Student vs Capital One SavorOne
Side-by-side comparison
| Capital One Quicksilver Student | Capital One SavorOne | |
|---|---|---|
| Annual fee | No annual fee | $39 |
| Welcome offer | $50 cash bonus | 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 | Visa | 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 Quicksilver Student 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 Quicksilver Student has no annual fee, so its rewards are all profit. The Capital One SavorOne charges $39, which you clear through its rewards and perks. The two are close on value, but the Capital One SavorOne edges ahead by about $7 a year, 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. On the sign-up bonus, the Capital One Quicksilver Student 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 Student if your spending leans toward gas, travel, everything else. Pick the Capital One SavorOne if your spending leans toward dining, groceries, streaming.