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 price.
- 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 favor money again, incomes a flat money again charge on most purchases.
- Each playing cards include comparatively comparable bonuses and advantages, so take into account what kind of rewards you need to earn so as to discover one of the best 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 costs an annual price. Each playing cards additionally supply flat-rate rewards on spending, welcome bonuses price a number of hundred {dollars} and beneficiant zero-interest provides on purchases and steadiness transfers.
Nonetheless, these two playing cards dole out rewards in a different way, and the Capital One VentureOne, particularly, provides considerably extra choices in the case of redeeming your rewards for journey.
In the event 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.
Important 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 charge |
|
|
| Intro APR | 0% intro APR on purchases and steadiness transfers for 15 months (19.99% to 29.99% variable APR after; steadiness switch charges apply) | 0% intro APR on purchases and steadiness transfers for 15 months (19.99% to 29.99% variable APR after; steadiness switch charges apply) |
| Annual price | $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 doubtless care probably the most about.
Welcome bonus winner:
Rewards charge winner
Bank card charges winner
Intro APR supply winner
Which card earns probably the most?
It’s straightforward to see why you’d choose the Capital One Quicksilver should you care probably 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 affect your earnings? That is dependent upon how a lot you spend in your card annually.
Spending instance
To find out how a lot your non-category rewards may range 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 youngsters (a lady and a boy), ages 12 and 13.
You may spend a mean of $16,336 per yr ($1,361.33 per 30 days) on meals on a “reasonable” funds, in line with the USDA. Let’s additionally think about you spend $4,800 per yr eating out ($400 per 30 days) and one other $12,000 per yr ($1,000 per 30 days) on miscellaneous purchases.
With a complete of $33,136 spent on a bank card annually, you would earn the next quantities in rewards with both card:
- Capital One VentureOne — roughly $414 in rewards
- Capital One Quicksilver — roughly $497 in rewards
Why must you get the Capital One VentureOne Rewards Credit score Card?
In the event you journey often or need to get most worth out of your miles by transferring them to Capital One’s journey companions, the VentureOne may very well be the cardboard for you. Listed here are a few of the standout options and advantages you’ll be able to count on.
Why must you get the Capital One Quicksilver Money Rewards Credit score Card?
The Capital One Quicksilver is a money again bank card with a greater rewards charge for non-category purchases, however there are different elements to contemplate earlier than you join.
The underside line
In the event you’re seeking to earn miles and wish extra methods to redeem rewards for journey, choose the Capital One VentureOne. In the meantime, it’s best to choose the Capital One Quicksilver should you’re after the next rewards charge on all the things you purchase.
Each of those playing cards are glorious for incomes rewards with no annual price, but the precise card for you is dependent upon what you need probably the most.
