In this comparison, we'll help you navigate the terrain of choosing between Capital One Quicksilver and Wells Fargo Active Cash.
General Comparison: Quicksilver vs. Active Cash
While both cards offer unlimited flat-rate cashback rewards, the Active Cash card offers a higher cashback ratio.
Also, both cards have the same o% intro APR period, but with Capital One Quicksilver – you won't pay a foreign transaction fee.
![]() | ||
---|---|---|
Wells Fargo Active Cash Card | Capital One Quicksilver | |
Annual Fee | $0 | $0 |
Rewards | 2% cash rewards on purchases (unlimited) | 5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday. |
Welcome bonus | $200 cash rewards bonus when you spend $500 in purchases in the first 3 months | $200 cash bonus once you spend $500 on purchases within 3 months from account opening |
0% Intro APR | 15 months on purchases and qualifying balance transfers, then 20.24% to 29.99% variable APR APR
| 15 months on balance transfers and purchases |
Foreign Transaction Fee | 3% | $0 |
Purchase APR | 20.24% to 29.99% variable APR | 19.99% – 29.99% variable |
Read Review | Read Review |
Cashback Rewards Battle: Quicksilver vs. Active Cash
When it comes to comparing cashback rewards, there's no clear winner: in most scenarios, the Active Cash card offers more cashback than the Quicksilver card.
But, since Capital One offers 5% on hotel or rental car insurance made through the Capital One Travel portal, it may change the picture – depending on your spending habits.
![]() | ||
---|---|---|
Spend Per Category | Wells Fargo Active Cash Card | Capital One Quicksilver |
$15,000 – U.S Supermarkets | $300 | $225 |
$5,000 – Restaurants
| $100 | $75 |
$5,000 – Airline | $100 | $75 |
$5,000 – Hotels | $100 | $250 |
$4,000 – Gas | $80 | $60 |
Estimated Annual Value | $680 | $685 |
* 5% cash back on hotel made through the Capital One Travel portal
Top Offers
Top Offers From Our Partners
Top Offers
Which Extra Benefits You'll Get With Each Card?
Beyond the bonus points and welcome offers, both cards include a range of supplementary perks. In terms of additional benefits and protections, the Quicksilver card outshines the Wells Fargo Active Cash Card. The only advantage of the Active Cash card is the cell phone protection which is not available with the QuickSilver card.
Wells Fargo Active Cash Card
- Cellular Telephone Protection: Receive up to $600 in cell phone protection when paying your monthly cell phone bill with your Wells Fargo card, subject to a $25 deductible.
- My Wells Fargo Deals: Access personalized deals and earn cashback as an account credit when using your Wells Fargo credit card for shopping, dining, or experiences.
- Zero Liability Protection: Protection against unauthorized transactions when promptly reported.
- Credit Close-Up℠: Provides tools and insights to understand, track, raise, or maintain your FICO® Score.
Capital One Quicksilver
- Capital One Dining and Entertainment: Enjoy exclusive reservations at award-winning restaurants and access to culinary experiences, as well as exclusive pre-sales, tickets, and more for music, sports, and dining events.
- 5% Cash Back on Travel: Enjoy a generous 5% cash back on hotel and rental car bookings made through the Capital One Travel portal, providing significant savings on your travel expenses.
- Redeem Cashback On Paypal/Amazon: Capital One cardholders can easily redeem their cash back or miles to shop online at various retailers through PayPal and Amazon, making it convenient to use rewards for everyday purchases.
- Uber Perks: Cardholders receive statement credits for an Uber One membership each month until November 14, 2024.
- No Foreign Transaction Fees: You won’t pay a transaction fee when making a purchase outside of the United States
- Purchase Protection: Safeguard your new purchases from damage or theft with comprehensive coverage.
When You Might Want the Wells Fargo Active Cash Card?
You might prefer the Active Cash Card over the Capital One Quicksilver in the following situations:
- High Spenders: Wells Fargo Active Cash, with its 2% unlimited cashback on all purchases, is advantageous for individuals who consistently spend higher amounts. If your monthly expenses are substantial, the higher cashback rate can result in more significant rewards compared to Capital One Quicksilver's 1.5% flat rate.
- You're Interested In Cellphone Protection: The Wells Fargo Active Cash® Card offers cellphone protection against damage or theft when you use the card to pay your phone bill. This is a valuable benefit that can save you money if your phone is lost, stolen, or damaged.
Top Offers
Top Offers From Our Partners
Top Offers
When You Might Want the Capital One Quicksilver Card?
You might prefer the Capital One Quicksilver over the Wells Fargo Active Cash in the following situations:
- You're A Frequent Traveler: The Capital One Quicksilver Cash Rewards Credit Card does not charge foreign transaction fees, while the Wells Fargo Active Cash® Card charges a 3% fee. If you travel internationally frequently, this could save you a significant amount of money.
- You Prefer To Book On Capital One Travel Portal – if you book hotels or rental cars on the portal, you get 5% cashback which can change the picture for travel consuemers.
Compare The Alternatives
It's always a good idea to be aware of other options before determining the most suitable choice for your needs.
![]() | |||
---|---|---|---|
Capital One Quicksilver Cash Rewards Credit Card | Blue Cash Preferred® Card from American Express | Chase Sapphire Preferred® Card | |
Annual Fee | $0
| $95 ($0 intro for the first year)
| $95
|
Rewards |
1.5% – 5%
5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
|
1-6%
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit
and U.S. gas stations, 1% cash back on other purchases
|
2X – 5X
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
|
Welcome bonus |
$200
$200 cash bonus once you spend $500 on purchases within 3 months from account opening
|
$250
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
|
60,000 points
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
|
Foreign Transaction Fee | $0 | 2.70% | $0
|
Purchase APR | 19.99% – 29.99% variable
| 19.24% – 29.99% Variable
| 21.24%–28.24% variable APR
|
Compare Capital One Quicksilver Card
If you're looking for travel rewards, it's an easy decision. But what about if you're looking to get rewards on everyday spending?
Capital One Venture vs Capital One Quicksilver: Which Card Wins?
If you like Discover rotating categories, it's an easy choice. If not – our analysis will help you understand which card is better for you.
Capital One Quicksilver vs Discover it Cash Back: Which Card Is Best?
The Savor card is ideal for dining out and entertainment while the Quicksilver is a simple card with a flat rate cashback. How They Compare?
Compare Wells Fargo Active Cash
Wells Fargo has recently launched a new set of credit cards, and these two are at the top of the list. Which of them offers more and is it worth it?
When both cards offer the same flat rate cashback, we should see beyond it. Which card is better? Here's The Smart Investor full analysis.
Citi Double Cash vs Wells Fargo Active Cash: Which Card Wins?
The Wells Fargo Active Cash is best for cashback and everyday spending, while the Autograph is a clear winner when it comes to travel rewards.
Wells Fargo Active Cash vs. Autograph Card: How They Compare?
The Active Cash card offers flat-rate cashback, while the Unlimited card is the winner for travel. Here's a side-by-side comparison.
While Discover it Cash Back offers higher cashback rewards for some categories, the Active Cash card is our winner. Here's why.
Discover it Cash Back vs Wells Fargo Active Cash: Side By Side Comparison