Capital One Quicksilver Secured Cash Rewards Credit Card vs Capital One Savor Student Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit Card

Capital One

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Capital One Savor Student Cash Rewards Credit CardCapital One Savor Student Cash Rewards Credit Card

Capital One

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Cash Back
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1.5x
1x
Welcome Bonus
—
$50 after you spend $100 in the first 3 months

Effective return by category

CategoryCapital One Quicksilver Secured Cash Rewards Credit CardCapital One Savor Student Cash Rewards Credit Card
Card Travel Portals5.00%
5x
5.00%
5x
Dining & Restaurants1.50%
1.5x
3.00%
3x
Groceries1.50%
1.5x
3.00%
3x
Entertainment1.50%
1.5x
3.00%
3x
Streaming1.50%
1.5x
3.00%
3x
Everything else1.50%
1.5x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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