Credit Cards » Compare Credit Cards » Capital One Venture vs Capital One Quicksilver
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Capital One Venture vs Capital One Quicksilver

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?
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Content

As there are so many different credit cards out on the market today, there can be a lot of choices that people need to make. This comparison will look at the similarities and differences between the Capital One Venture and Quicksilver cards.

Both of these options have some key differences. Some people might be better suited to one of these options over the other. By reading this comparison article, you can ask yourself the right questions and figure out what is optimal for your needs.

General Comparison

capital-one-venture

Capital One Venture Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Annual Fee
$95
$0
Rewards
2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
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
75,000 miles once they spend $4,000 on purchases within 3 months from account opening
$200 cash bonus once you spend $500 on purchases within 3 months from account opening
0% Intro APR
N/A
15 months on balance transfers and purchases
Foreign Transaction Fee
$0
$0
Purchase APR
19.99% – 29.99% (Variable)
19.99% – 29.99% variable
Learn More
Learn More

Compare Rewards: Which Card Gives More?

There are going to be different areas where credit cards stand out when it comes to cashback rewards.

Here is a look at an example of what you could expect when it comes to these two Capital One cards:

capital-one-venture

Spend Per Category
Capital One Venture
Capital One Quicksilver
$12,000 – U.S Supermarkets
24,000 miles
$225
$5,000 – Restaurants
10,000 miles
$75
$4,000 – Hotels
20,000 miles
$60
$4,000 – Airline
8,000 miles
$60
$5,000 – Gas
10,000 miles
$75
Points/Miles
72,000 miles
Redemption Value
1 point = 1 cent
Annual Value – First Year
$1,320
$695
Annual Value
$720
$495

The Capital One Venture card is best suited for travel-related purchases and you will get the best value when you spend the resulting miles on travel-related expenses rather than cashback.

On a pure cash basis, the Venture card will be preferred if you are looking for a card that covers a lot of bases when it comes to making purchases.

Compare Welcome Bonus And Fees

For new cardholders, you will get 75,000 miles once they spend $4,000 on purchases within 3 months from account opening. It's one of the best sign up bonus available for basic travel cards.

The Quicksilver card will give you a $200 cash bonus once you spend $500 on purchases within 3 months from account opening.

For the Quicksilver card, you will get 0% intro APR for 15 months on balance transfers and purchases. After that points, there will be APR of 19.99% – 29.99% variable. For balance transfers, there will be a 3% fee in place after initial 0% APR period. You will not have to pay any foreign transaction fees.

The Capital One Venture does not have an intro APR, so you will be looking at 19.99% – 29.99% (Variable) rates. There are also no foreign transaction fees associated with this option.

Compare The Perks

As well as the APR rates, fees, and bonus offers, there are some unique features associated with different cards, as well as similarities. 

Here are the additional benefits you'll get on both cards:

  • 24-Hour Travel Assistance: If you have any issues while traveling, you have access to 24/7 customer support. You can arrange for a cash advance and an emergency replacement card if needed.

  • Redeem rewards via PayPal or Amazon.com
  • Capital One Shopping tool to automatically apply coupon codes to your orders
  • Complimentary Concierge Services in travel, entertainment, and dining 24/7, 365 days a year.
  • Extended Warranty: There will be an extended warranty provider on eligible purchases through your credit card. 

  • Fraud Protection: You will not have any liability if your card is stolen and charges are made to your card.

  • Mobile App: The Capital One mobile app is very good as it gives you the chance to manage your account from anywhere and connect it to your Capital One bank account. This includes viewing account balances, paying bills, and looking at transactions.

  • Automatic travel accident insurance when you purchase fares with the card.

The Venture card offers some unique features:

  • Capital One Lounge: You get access to Capital One Lounges at airports across the world. 

  • Credits: You will get up to $100 in credit for TSA PreCheck or Global Entry with the Capital One Venture card.

  • Transfer Miles: You will be able to transfer your Capital One Venture miles to more than 15 different travel loyalty programs. Here's an example of some:
Capital One airline Transfer Partners
(Screenshot from Capital One app)

Compare The Drawbacks

Of course, no credit card is perfect, so it is important to be aware of the potential drawbacks before you make your final card decision.

Capital One Venture

capital-one-venture

You need to pay an annual fee of $95 with this card. If you're looking for a travel card, most cards require a fee. For example, the  Chase Sapphire Preferred annual fee is quite similar ($95 ).

The cashback rates aren’t the best when compared to other cards.

Capital One Quicksilver

You will not get access to good bonus rewards rates.

Compare Redemption Options

With the Capital One Venture card, you will earn 5 miles per dollar for purchases made through Capital One Travel, relating to hotel and car rental. Other purchases will earn you 2x miles. With the Quicksilver card, you will earn 1.5% on every purchase. There is no limit on these earnings.

For the Quicksilver cashback rewards, you are able to get a check, as statement credit, or redeem them with certain retailers. The Capital One Venture card miles can be redeemed for account credit, gift cards, cash, or travel expenses.

The value of these miles varies depending on what you are using them for. For example, one mile will equal $0.01 each when used for travel, $0.008 for gift cards, and $0.005 for cashback.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How to Maximize Cards Benefits?

If you want to make the best use of your Capital One Venture card, there are some tips to help you:

  • Use Miles for Travel: You will get the most bang for your accumulated miles if you use them for travel-related expenses, as each mile equals $0.01.

  • Use Card for Travel: This card gives you a boost to the cashback you can earn when making travel-related purchases.

capital-one-venture

If you want to make the best use of your Capital One Quicksilver card, there are some tips to help you:

  • Fill the Gaps: You might have a credit card that has premium rates for certain purchases, but not for others. This card can fill any gaps as it has a decent low-level cashback rate on all purchases.

  • Maximize the rewards: You can redeem the cashback for the likes of cash, a statement credit, and gift cards. Some of these will give you a better bang for your buck than others.

Customer Reviews: Which Card Wins?

The Capital One website provides you with access to thousands of customer reviews for each of these card types, which is very useful for people trying to get an insight as to what they might expect by signing up for one of these cards.

The Capital One Venture card has a 4.7/5 rating and people usually hail the great travel-related perks, as well as the rewards being easy to use. Many of the negative reviews complain the lack travel rewards compared to other travel rewards cards.

The Quicksilver card has a 4.6/5 rating. Positive reviews talk about the useful reward system, as well as it being a good fit for day-to-day purchases. In terms of negative reviews, there are once again mainly concerns about the interest rates on offer.

When You Might Want the Venture Card?

The Capital one Venture Card is a flexible option that could be good if you:

  •  Travel a Lot: If you travel a lot, then you can take advantage of the perks associated with the Capital One Venture, as well as get some good rewards.

  • Good Bonus: You have a good bonus offer to take advantage of after signing up for an account.

  • Plenty of Redemption Options: There are many different ways in which you can redeem your rewards from using the Capital One Venture card.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When the Quicksilver Card Wins?

The Capital One Quicksilver also has some great benefits. It could be a good fit for you if you:

  • Need Predictability: With this card, you will be getting the same cashback rate for every purchase, so you do not need to keep checking to see if a certain type of purchase falls into a certain category.

  • Good Returns: the rewards program offered through this card provides you with a decent return.

Compare The Alternatives

These two cards have their own distinct advantages. On the one hand, you have the Capital One Venture that is going to be a good fit for people who are traveling thanks to the bonus rewards on offer.

The Quicksilver Card is going to be a more versatile and consistent option for people who are looking for a level of predictability and consistency with their purchases.

Lastly, there are some alternatives that you may want to take a look before applying.

Wells Fargo active cash card

chase freedom unlimited card

Bank of America® Customized Cash Rewards

Wells Fargo Active Cash℠ Card
Chase Freedom Unlimited®
Bank of America® Customized Cash Rewards credit card
Annual Fee
$0
$0
$0
Rewards
2% 2% cash rewards on purchases (unlimited)
1.5% – 5% 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
1% – 5% 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. The 3% and 2% cash back available on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter (then 1%)
Welcome bonus
$200 $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
$200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
$200 $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Foreign Transaction Fee
3%
3%
3%
Purchase APR
20.24% to 29.99% variable APR
20.24%–28.99% variable
18.24% – 28.24% Variable APR will apply. A 3% fee (min $0) applies to all balance transfers

FAQ

Usually, the minimum credit limit is set at $4,000 for the Capital One Venture card. This is significantly higher than a lot of the other credit cards that you will come across.

Yes, you can get pre-approval for a Capital One Venture card. This allows you to not have to subject yourself initially to a hard credit check.

There is no limit in place as to how many rewards you are able to earn when you are making purchases through the use of the Capital One Quicksilver Card.

All purchases are covered when you are using the Capital One Quicksilver Card to pay for them. Therefore, you will not find any excluded categories

Compare Capital One Venture Card

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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
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
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
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
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
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
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Capital One Quicksilver Card

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Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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Milestone® Mastercard®

Annual Fee:
$175 the first year; $49 thereafter
APR:
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upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

upgrade cash rewards

Rewards Plan:
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Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

Milestone® Mastercard®

Annual Fee:
$175 the first year; $49 thereafter
APR:
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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.