Key takeaways
- Each the Capital One VentureOne Rewards Credit score Card and the Capital One Quicksilver Money Rewards Credit score Card earn strong rewards with out an annual payment.
- The Capital One Quicksilver earns miles that may be redeemed for journey or transferred to Capital One journey companions for much more worth.
- The VentureOne card is suited for individuals who choose money again, incomes a flat money again fee on most purchases.
- Each playing cards include comparatively related bonuses and advantages, so contemplate what sort of rewards you wish to earn with a view to discover the perfect match.
The Capital One VentureOne Rewards Credit score Card and Capital One Quicksilver Money Rewards Credit score Card have fairly a number of issues in widespread, together with the truth that neither one expenses an annual payment. Each playing cards additionally supply flat-rate rewards on spending, welcome bonuses value a number of hundred {dollars} and beneficiant zero-interest provides on purchases and stability transfers.
Nonetheless, these two playing cards dole out rewards in another way, and the Capital One VentureOne, particularly, provides considerably extra choices in terms of redeeming your rewards for journey.
When you’re evaluating the Capital One VentureOne and Capital One Quicksilver to determine which one you need, learn on to see how they stack up.
Primary particulars
| Capital One VentureOne Rewards Credit score Card | Capital One Quicksilver Money Rewards Credit score Card | |
|---|---|---|
| Welcome bonus | 20,000 bonus miles after spending $500 inside 3 months of account opening | $200 money bonus after spending $500 inside 3 months of account opening |
| Rewards fee |
|
|
| Intro APR | 0% intro APR on purchases and stability transfers for 15 months (19.99% to 29.99% variable APR after; stability switch charges apply) | 0% intro APR on purchases and stability transfers for 15 months (19.99% to 29.99% variable APR after; stability switch charges apply) |
| Annual payment | $0 | $0 |
Capital One VentureOne Rewards Credit score Card vs. Capital One Quicksilver Money Rewards Credit score Card highlights
These two rewards playing cards have fairly a bit in widespread, however there are areas the place one wins out over the opposite. The classes under are some that you just probably care essentially the most about.
Welcome bonus winner:
Rewards fee winner
Bank card charges winner
Intro APR supply winner
Which card earns essentially the most?
It’s straightforward to see why you’ll choose the Capital One Quicksilver should you care essentially the most about flat-rate rewards on on a regular basis purchases. This card provides a vast 1.5 % money again on each buy, whereas the Capital One VentureOne provides 1.25X miles on each buy (equal to 1.25 % in money again).
However, how a lot do these rewards charges actually impression your earnings? That is determined by how a lot you spend in your card annually.
Spending instance
To find out how a lot your non-category rewards may fluctuate with these two Capital One bank cards, let’s think about you’re a household of 4 with mother and father underneath the age of fifty and two children (a woman and a boy), ages 12 and 13.
You may spend a mean of $16,336 per yr ($1,361.33 monthly) on meals on a “average” finances, in line with the USDA. Let’s additionally think about you spend $4,800 per yr eating out ($400 monthly) and one other $12,000 per yr ($1,000 monthly) on miscellaneous purchases.
With a complete of $33,136 spent on a bank card annually, you possibly can earn the next quantities in rewards with both card:
- Capital One VentureOne — roughly $414 in rewards
- Capital One Quicksilver — roughly $497 in rewards
Why do you have to get the Capital One VentureOne Rewards Credit score Card?
When you journey regularly or wish to get most worth out of your miles by transferring them to Capital One’s journey companions, the VentureOne might be the cardboard for you. Listed here are a few of the standout options and advantages you possibly can count on.
Why do you have to get the Capital One Quicksilver Money Rewards Credit score Card?
The Capital One Quicksilver is a money again bank card with a greater rewards fee for non-category purchases, however there are different elements to think about earlier than you enroll.
The underside line
When you’re trying to earn miles and wish extra methods to redeem rewards for journey, choose the Capital One VentureOne. In the meantime, you need to choose the Capital One Quicksilver should you’re after the next rewards fee on every part you purchase.
Each of those playing cards are glorious for incomes rewards with no annual payment, but the fitting card for you is determined by what you need essentially the most.
