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Best Capital One Credit Card: Capital One® Venture® Rewards Credit Card vs. Capital One® Quicksilver® Card

The Capital One® Venture® Rewards Credit Card, Capital One® VentureOne® Rewards Credit Card, Capital One® Quicksilver® Card, and Capital One® QuicksilverOne® Cash Rewards Credit Card are all siblings and cousins from the same happy Capital One® family. They have their own distinct personalities, with different annual fees, rewards earning rates, rewards value, and even celebrity spokespersons.

What's the Best Capital One® Rewards card for you?

The best Capital One® credit card for you will depend on your answers to these questions: Do you want to use your rewards towards vacations, getaways, and weekend travel? Or do you just want to optimize a high cash back amount with the greatest flexibility? Do you mind paying a fee in exchange for higher earning power? What's your credit history like, excellent or average?

Best Card by Persona

Here are our picks for the most fitting credit card within the Capital One® rewards / cash back family for you:

  • For the travel buff who wants to earn rewards faster: we present the Venture® Rewards credit card
  • For the frequent traveler leery of fees: the VentureOne® Rewards card is a Capital One® card to consider
  • For the optimizing consumer looking for a simple cash back credit card: we suggest the Capital One® Quicksilver® Card
  • For the high cash-back seeker with limited /average credit history: there's the QuicksilverOne® credit card

Best Card by Annual Spending

Within the Capital One® family, the two best cards to maximize returns are going to be the Venture® Rewards and the Capital One® Quicksilver® Card 1.5% Cash Back credit cards. The VentureOne® earns miles too slowly compared to the Capital One® Quicksilver® Card. And while the Capital One® Venture® Rewards Credit Card has an annual fee, if you spend beyond a certain amount, the faster rate of earnings will be worth it. For consumers with excellent credit, here are the inflection points between the two credit cards on an ongoing basis.

  • Moderate spender charging less than $11,800 a year: the Capital One® Quicksilver® Card
  • High roller spending more than $11,800 a year: the Venture Rewards® Credit Card

Before we do a deep dive into the comparisons, here is a summary of each card's features and benefits in our visualization tool and graph.

Assumptions Based On Monthly Spend of: $1,430 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Capital One® Venture® Rewards Credit Card
$0 intro for first year; $95 after that 3.18%
$500
Receive 50,000 miles once you spend $3,000 within the first 3 months
$1,091
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.01 = $686
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,091

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 intro for first year; $95 after that
APR 14.74% - 24.74% (Variable)

Card Details

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Capital One® Quicksilver® Card
$0 1.94%
$150
Get $150 bonus after spending $500 within the first 3 months
$665
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 665

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74% - 24.74% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Capital One® VentureOne® Rewards Credit Card
$0 1.83%
$200
Receive 20,000 miles once you spend $1,000 within the first 3 months
$629
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 42,900 x $0.01 = $429
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 629

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.74% - 23.74% (Variable)

Card Details

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Capital One® QuicksilverOne® Cash Rewards Credit Card
$39 1.27%
$0
$437
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Less Annual Fees -$78
Total Net Estimated Rewards Through 24 Months 437

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $39
APR 24.99% (Variable)

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

How the Capital One® Cards Compare to Each Other

The table below lists out all the relevant information you'll need to understand each card's personality. We'll also have a deep dive comparison for each of the cards after the table.

Capital One® Venture® Rewards Credit CardCapital One® VentureOne® Rewards Credit CardCapital One® Quicksilver® CardCapital One® QuicksilverOne® Cash Rewards Credit Card

Early Spend Bonus

50,000 miles ($500 travel value)20,000 miles ($200 travel value)$150 cash backNone

Spend Bonus Requirement

Spend $3,000 on purchases within the first 3 monthsSpend $1,000 on purchases within the first 3 monthsSpend $500 on purchases within the first 3 months-

Annual Fee

$0 intro for first year; $95 after that$0$0$39

Earnings Rate

2 Miles per $11.25 Miles per $11.5% per $11.5% per $1

Bonus Earn Rate

10x miles on hotels when you pay with your Venture card at hotels.com/Venture10x miles on hotels when you pay with your VentureOne card at hotels.com/VentureN/AN/A

Fee Break-Even

$2,950N/AN/A$2,600

Redemption Options

Statement credit, check, gift cards, merchandiseStatement credit, check, gift cards, merchandiseStatement credit, check, gift cardsStatement credit, check, gift cards

Min - Max APR

14.74% - 24.74% (Variable)13.74% - 23.74% (Variable)14.74% - 24.74% (Variable)24.99% (Variable)

Network

Visa®Visa®Visa®Mastercard®

Credit Background

Excellent creditExcellent creditExcellent creditAverage Credit

Best for

Frequent travelers who don't mind paying a low fee for more rewardsFrequent travelers who want a no-fee travel credit cardConsumers who just want a simple and high cash back cardConsumers who want a simple and high cash back card but have limited credit history or a default

Capital One® Venture® Rewards Credit Card vs Capital One® VentureOne® Rewards Credit Card

Main salient features of each card: the Venture® Rewards earns 2 miles per dollar charged with an annual fee of $95 (waived in the first year) while the VentureOne® is a free credit card and earns 1.25 miles per dollar swiped. Both cards award 10x miles when you use them at hotels.com/Venture.

Which one is the better credit card for you? That depends on how much you'll spend each year. On an ongoing basis, the inflection point between the two Venture® cards is $12,666.

VentureOne® < $12,666 < Venture Rewards®

If you spend more than $12,666, the Capital One® Venture® Rewards Credit Card will be better, even after factoring in the annual fee of $95. If you spend less, then Capital One®'s VentureOne® Rewards makes more sense for you. The underlying equation is the difference in annual fees divided by the difference in redemption rates: 95 / (0.02 - 0.0125) = $12,666. Here are a few data points to illustrate this inflection point:

Annual spending of $7,000: With the Venture® Rewards credit card, I will have earned 14,000 miles (7,000 x 2), which I can redeem towards travel expenses worth $140. The net annual value to me on an ongoing basis, though is $81. Had I used the VentureOne® card, I would have earned 8,750 miles (7,000 x 1.25), which have a redemption value of $87.50. The VentureOne® Credit Card maximizes rewards here because the annual fee on the Venture® Rewards is too high a burden for my spending.

Annual spending of $13,000: Charging $13,000 a year on my Capital One® Venture® Rewards Credit Card gets me 26,000 miles, or $260 in travel redemption value. Net of the annual fee, that's $165 in rewards. The Capital One® VentureOne® Rewards Credit Card would have given me 16,250 miles, or $162.50. The Venture® Rewards maximizes rewards here as the higher earning power outstrips the drag of the annual fee.

Note: Redeeming for Travel vs. Non-Travel: now, the above analysis assumes that you redeem your Venture® rewards for travel expenses - this maximizes your redemption return. If you were to redeem for non-travel expenses, say a smartphone or a clothing splurge, then the redemption rates are halved. So for Venture® Rewards, the redemption rate would be 1%, and for VentureOne®, 0.625%. While directionally, the Venture® Rewards would be the better card between the two, it makes little sense to use either of these for non-travel cards.

Capital One® Venture® Rewards Credit Card vs. the Capital One® Quicksilver® Card

Debating between the Venture® Rewards and the Capital One® Quicksilver® Card? Here are the main features of each card: the Venture® Rewards gets you 2x miles per dollar (10x on hotels.com/Venture) with an annual fee of $95 (waived in Y1) while the Capital One® Quicksilver® Card is a no-fee credit card that gets you a straightforward 1.5% cash back. You might think this is an easy contest... a 2% rewards card vs. a 1.5% cash back? Let's take a look at some data to see how the Venture® Rewards compares with the Capital One® Quicksilver® Card.

The inflection point between these two cards is governed by the difference between their annual fees and their redemption rates: ($95 - $0) / (0.02 travel rate - 0.015) = $19,000. This figure assumes you are a maximizing individual.

Capital One® Quicksilver® Card < $19,000 Venture Rewards®

If you spend more than $19,000, the benefit of the Venture® Rewards higher earnings rate kicks in and overtakes the drag of the annual fee compared to the Capital One® Quicksilver® Card' earnings rate. If you spend below $19,000, then the Capital One® Quicksilver® Card makes more sense.

Spending > $10,000 a year: The Venture® Rewards value proposition is $10,000 x 2 miles / 100 - $95 annual fee = $105 in net travel rewards. The Capital One® Quicksilver® Card would get $10,000 x .015 = $150 in rewards. Winner: Capital One® Quicksilver® Card gets you $45 more in annual value.

Spending < $20,000 a year: Let's say you spend over than $1,600 a month, for a total of $20,000 each year. If you applied for the Capital One® Quicksilver® Card, you'd get $20,000 x 0.015 = $300 in rewards. On the other hand, if you got the Venture Rewards, then that'd be $20,000 x 2 miles / 100 - $95 yearly fee = $305 in travel rewards.

This comparison between the Venture Rewards and the Capital One® Quicksilver® Card assumes you would have redeemed your rewards miles towards travel purchases. Statement credits towards hotel stays, airfare, car rentals, rail and train tickets, and other transportation maximize the value from your Venture Rewards card at 2%. Redeeming your Venture Rewards for any other kind of purchase gets you effectively 1% cash back. The Capital One® Quicksilver® Card is indifferent towards what that cash back gets redeemed towards, and it's always 1.5%.

Two No-Fee Capital One Cards: Capital One® VentureOne® Rewards Credit Card vs. Capital One® Quicksilver® Card

Now we have a VentureOne® card versus a Capital One® Quicksilver® Card. All else equal (both credit cards don't charge annual fees), the Capital One® Quicksilver® Card is the better cousin of the two. The analysis does not account for the special hotels.com promotion. The 1.25% card assumes you redeem miles on the VentureOne® towards travel purchases. If you use your VentureOne® miles towards non-travel purchases, your rate gets halved. Non-travel purchases in the VentureOne® universe require twice the number of miles to redeem. Some numbers to illustrate this point: Under the VentureOne® **Rewards: Spend $12,000 a year: earn 1.25 miles x 12,000 = 15,000 miles with your Capital One®. Redeem that for $150 in travel expenses, or $75 towards groceries = 1.25% or 0.625% return

Under the Capital One® Quicksilver® Card Rewards: Spend $12,000 a year, earn 1.50% x 12,000 = $180 cash back towards anything Bottom line: the Capital One® Quicksilver® Card on maximizing the dollar value, and increasing flexibility on redemption options.

Capital One® Quicksilver® Card or QuicksilverOne®: Which one's the better card?

This question depends on your credit history. The Capital One® Quicksilver® Card is meant for consumers with excellent credit, and the QuicksilverOne® is designed for people with average credit history (which comes at the price of $39 a year). Both credit cards give 1.5% cash back, but the QuicksilverOne® has an annual fee.

The Capital One® Quicksilver® Card is great, but is only available to people with excellent credit histories. Capital One® defines excellent credit as someone who has had at least three years of credit history, pays their bills on time, and hasn't had to declare bankruptcy or default on a loan. A person with average credit history according to Capital One®'s underwriters has had less than three years of credit history, and a defaulted loan in the past. Now that we've established this, let's look at the numbers.

If you have excellent credit history, then, between the two cards, Capital One® Quicksilver® Card is the no-brainer winner. If you have average credit, but still want access to 1.5% rewards (a great rate in the pure cash back ecosystem of cards), then go for the QuicksilverOne® card. Just keep in mind that you have to spend more than $2,600 just to break even on the annual fee for the QuicksilverOne® Rewards. After that, your rate will always be slightly below 1.5% when factoring in the $39 annual fee.

What the Capital One® Credit Cards Have in Common

All of the four Capital One® credit cards don't charge foreign transaction fees - that's great news for anyone who travels a lot, or shops online and doesn't care to find out where their website is domiciled. There are no limits to the miles or cash back that can be earned on each of the Venture® or Quicksilver® cards, and anything earned does not expire so long as the account is open. Last but not least, one of the underrated perks of the Capital One® credit cards is the personalization of the front of their credit card with an image of their choice.

Comments and Questions

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* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.