Regardless of the Capital One VentureOne Rewards Credit score Card being marketed as a journey card, the Capital One Quicksilver Money Rewards Credit score Card is the extra profitable alternative for each your journey and on a regular basis spending because it earns a better cash-back price. 

The VentureOne does provide a further journey perk of auto rental insurance coverage*, however that does not outweigh the worth of the Quicksilver’s rewards. The Quicksilver nonetheless comes outfitted with journey accident insurance coverage*, and neither card has international transaction charges.

Rewards

Winner: Capital One Quicksilver

The Quicksilver gives 1.5% money again for each buy, in comparison with the 1.25x miles per greenback of the VentureOne. In addition they respectively earn 5% money again and 5x miles per greenback for rental vehicles and lodges booked via Capital One Journey.

Irrespective of the way you slice it, the Quicksilver will present extra rewards than the VentureOne for a similar quantity of spending.

Welcome bonus

Winner: Tie

Listed below are the welcome bonuses for each playing cards:

• Capital One VentureOne: Earn a bonus of 20,000 miles when you spend $500 on purchases inside three months from account opening
• Capital One Quicksilver: Earn a $200 money bonus after spending $500 on purchases inside three months from account opening

So long as you select to redeem your 20,000 miles with the VentureOne for previous journey bills or reserving journey via Capital One Journey, the bonus will equal $200 in worth. Each welcome bonuses provide the identical worth for a similar quantity of spending.

Charges

Winner: Tie

Neither card asks for an annual price or any international transactions charges. They each have late cost charges, a money advance price and a steadiness switch price, so neither card features any floor right here.

Journey advantages

Winner: VentureOne

The VentureOne Rewards card has a slight edge right here because of the addition of its auto rental insurance coverage* profit. The Quicksilver gives cardholders prolonged guarantee safety* and journey accident insurance coverage*, however no auto rental insurance coverage.

It’s value noting that the Quicksilver has restricted redemption choices for journey in comparison with the VentureOne. For those who had been planning to make the most of mile transfers, you may solely accomplish that with the VentureOne. Nonetheless, Capital One does not accomplice with many US airways, so until you primarily journey internationally, you are still higher off using the Quicksilver for its robust rewards.

Intro APR provide

Winner: Tie

Each bank cards provide cardholders the flexibility to keep away from curiosity prices for brand new purchases and steadiness transfers by way of their introductory APR gives. With both card, individuals get a 0% intro APR for purchases and steadiness transfers for 15 months (then 17.99% to 27.99% variable).

Throughout that point, you’ll be able to pay down current bank card debt by way of a steadiness switch, or make a big buy and pay down the steadiness whereas it accrues no curiosity.

Take into accout each playing cards function a 3% steadiness switch price throughout these 15 months, with no price after the 15 months are up. However do not let that dissuade you from using a steadiness switch throughout that point. A steadiness switch price may sound intimidating, however it’ll typically find yourself saving you cash when paired with an introductory APR contemplating how excessive rates of interest are.

The underside line

The underside line is that the Quicksilver is the stronger card because of its greater cash-back price whereas nonetheless providing just a few travel-related perks. What the VentureOne has over the Quicksilver — auto rental insurance coverage* — is not sufficient to tip the scales in its favor contemplating the 2 playing cards are on equal footing in lots of different regards.

FAQs

*Phrases, situations, and exclusions apply. Please discuss with your Information to Advantages for extra particulars.

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