In the event you’re in search of a flat-rate rewards bank card with a low annual charge, each the Capital One Quicksilver Money Rewards Credit score Card and the Capital One Enterprise Rewards Credit score Card are nice choices. Each playing cards supply good rewards whatever the buy class.

The no-annual-fee Quicksilver is a lean, simple cash-back rewards bank card that  works nicely as a predominant bank card or as a complement to extra specialised bank cards. It is also nice for many who plan to spend lower than a mean of $1,600 monthly on it. In the event you spend greater than that, the Enterprise’s greater rewards ought to web you greater than the Quicksilver, even contemplating the Enterprise’s $95 annual charge.

The $95 Enterprise is technically a journey rewards bank card that gives rewards within the type of miles, nevertheless it nonetheless affords a versatile redemption course of. The Enterprise is best for many who plan to spend greater than about $1,600 monthly to totally account for the annual charge, however with a beneficiant welcome supply and some different perks, it is a good choice regardless.

In most conditions, the Capital One Enterprise bank card affords the higher total worth. The additional rewards, redemption flexibility, and welcome supply are large benefits. 

Evaluating annual charges

Winner: Capital One Quicksilver

Having no annual charge is an enormous deal. In the event you repay your stability each month, holding a no-annual-fee bank card poses little monetary danger. That makes all of the rewards you earn even sweeter.

As we’ll see, the Enterprise’s $95 annual charge could also be value it, however your pocketbook will take successful on the outset. (Sure, I mentioned pocketbook, and no, I am not smoking a cigar and penning this on a typewriter.) 

Welcome bonuses

Winner: Capital One Enterprise

There are two components to a welcome bonus: the spending threshold cardholders want to succeed in, and the reward itself. The Quicksilver’s spending threshold is $500 throughout the first three months, which is a really low bar to earn the $200 money. 

Alternatively, the Enterprise’s spending threshold is $4,000 throughout the first three months. Although it is a a lot greater bar, the Enterprise’s 75,000 miles are value $750 in journey with the potential for much more when you switch them to a journey accomplice. That is a large enough distinction that we give the sting to Enterprise for this class. Simply be sure to’re not bending your spending out of practice to hit $4,000.

Rewards

Winner: Capital One Enterprise

The Capital One Enterprise will earn you the best web returns in your spending, regardless of rewards being earned in miles quite than in money again. The Enterprise Card has a redemption trick up its sleeve: You possibly can redeem Capital One Miles as an announcement credit score, and apply it towards journey purchases from the final 90 days.

That makes the miles pretty much as good as money when you’re actually in search of a journey bank card, since you may redeem them towards previous purchases as an alternative of needing to e book journey by way of Capital One or switch the miles. 

The opposite benefit of the Enterprise’s rewards program is the switch choice. Enterprise cardholders can switch miles to one in every of greater than 15 journey companions, together with Air France, British Airways, Virgin, and extra. When transferring miles and redeeming them by way of the accomplice’s reward program, you may usually get multiple cent per mile, and the worth tends to go up when reserving longer-haul or business- and first-class. 

Rewards redemption

Winner: Capital One Quicksilver

We love money again rewards bank cards, since there’s little or no effort required to redeem the rewards, they’re constant, and you do not have to fret about rewards charts or blackout dates. Incomes 2x miles on normal purchases on the Enterprise in comparison with 1.5% money again on the Quicksilver provides up over time ($19,000 of annual spending would web you an additional $95 in rewards), however not sufficient to supplant King Money.

Journey perks

Winner: Capital One Enterprise

Neither card boasts a protracted record of additional advantages, however the Enterprise’s journey perks are good boosts for many who can use them. The Quicksilver, alternatively, would not supply a lot in any respect.

With the Enterprise, cardholders get one assertion credit score each 4 years for both TSA PreCheck or International Entry ($85 or $100, respectively). On high of that, you get two free one-time visits annually to Capital One lounges. Or quite, the Capital One lounge. Just one exists as of September 2022, however two extra are slated to open in 2023. So when you’re touring by way of Dallas Fort Price, it may very well be value testing. 

In abstract

The primary downside of journey rewards bank cards is the sophisticated redemption course of, however the Enterprise affords a manner round that. These with the time and curiosity in maximizing miles can achieve this, whereas those that simply wish to redeem them towards previous purchases have that choice as nicely. Nonetheless, when you’re not all for paying an annual charge and also you simply wish to earn a gentle cash-back fee, the Quicksilver is an effective selection.

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