Capital One Quicksilver vs. Savor | Which Credit Card is Best?
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- เผยแพร่เมื่อ 27 มิ.ย. 2024
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Alright so, first of all, we have the Quicksilver rewards card which is probably the more popular of the two, and overall this card is pretty simple and straightforward. Currently, you're going to earn unlimited 1.5% cashback on all of your purchases plus they will also currently give you a $200 cash signup bonus when you spend just $500 in the first three months of having this card. The cashback that you earn can be redeemed directly for cash and that can either be put directly towards your credit card statement or can be sent to you as a check which is kind of an outdated system in my opinion. This card also has no foreign transaction fees which is always a plus, gives you extended warranty protections, accident, and travel insurance, as well as capital one’s concierge service and 24-hour travel assistance services. You also get premier access with capital one's culinary experiences music events, sporting events, and a lot of other little benefits that most people probably won't use but it is nice that they are at least available with this free card.
The Capital Once Savor Card gives you 4% unlimited cash back on all dining, entertainment, and popular streaming services as well as 3% back on all grocery store purchases. Plus beyond that insane cashback offer, you also get a $300 cash bonus when you spend $3,000 on purchases in the first three months. Now I will mention that the Savor rewards card does currently have an annual fee of $95 per year so as you can tell by that annual fee and the rewards that this card offers, this is definitely a higher-end option and by no means would I say that this is an entry-level credit card and honestly that goes with the Quicksilver card as well because both of these products are going to require what they deem as excellent credit in order to get approved.
That being said again we are looking at the flagship versions of both of these products so if you are interested in one of them then they do have alternative options with modified rewards for individuals with lower credit scores. Okay but back to the Savor card, this also has no foreign transaction fee, and all of the same benefits that I mentioned with the Quicksilver card like the warranty protections travel insurance concierge service in the travel assistance services as well.
So honestly saying that one card is better over the other in this situation is a little bit difficult but deciding between the two should be pretty easy since they are very different. If you want a flat simple cashback structure with no annual fee and you don't want to have to worry about using the right card for certain spending categories and that whole thing then you will definitely want to go with the Capital One Quicksilver card which again is going to give you that 1.5% back on everything, that cashback is unlimited and you don't have to activate any categories or anything like that. On the other hand, if you are like me and you spend way too much money on food and dining and all of that stuff then the save rewards card is kind of a no-brainer annual probably be kicking yourself that you didn't get this card a long time ago.
0:00-Capital One has A LOT of Credit Cards
1:14-Capital One Quicksilver
3:50-Capital One Savor
6:40-How to Decide Between the Two!
8:13-Which Card is Better?
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Just got a credit increase on my quicksilver for 4k. I started with only $300. Hoping to increase to 10k by next year.
How long did it take for you to receive the credit increase? Just got approved for my savor card.
@@noahhalim8285 i get a credit increase every 6months. It usually happens automatically.
@@noahhalim8285 As long as you use your card responsibly and pay your bills on time, Capital One automatically gives you CL increases about every 6 months or so.
Happens more often than chase credit cards. I’ll tell you that
I've had my card for over 2 years and still at $300 😭
The fact that you explained everything specifically 👍🏼
Great stuff 🚀
thank you I just approved for the Savor One!!
I have Both Cards! the Quick Silver and the savor card! but i picked the Savor ONE card because of the No annual fees!! and the Cash back is crazy fast!!! I loves!! one card gives me cash back on every purchase; while the other card is great for my groceries and entertainment outtings!!!
I’d like to get the savor one no AF to pair with my Venture X
I have the Capital One Platinum (the first card I got from Capital One many moons ago) and the Quicksilver. I'm very happy with my Quicksilver card. It's very straightforward and has great rewards. I also have the Discover cash back rewards card, which is quite similar. I'm very happy with them both.
There are tips to get yourself more rewards than ever on your capital one Quicksilver. DM me on IG for brief explanation
What I don't like about quicksilver is a lot of cash back options they have when you spend with certain companies isn't automatically you have to go through the capital one rewards page and go to the site from that page to receive the reward. That's way to much when someone is ready to boom or buy something they aren't thinking about going to no capital one reward page to search for the company then go to their site from there. If I buy from a company that they have a reward program with we should automatically get the reward it's not like the card doesn't know what company we are spending with
Capital one makes their customers jump thru too many hoops just to have their sorry cards.
I got the savor one
I was just offered the Savor one with no annual fee. The one has 3% cashback on dining, entertainment, steaming services, groceries, and 1% on all other purchases.
My options are the quicksilver or savor one for upgrade……. Sounds like savor for me!
I love having the free version of Savor, the Savor One. I can't justify spending $95 per year to get an extra 1% cash back on restaurants. I say this because I inevitably use other cards that may provide temporary or permanent higher cash back on groceries and restaurants. But maybe the annual fee version works for some people.
Free version definitely better!!
@Dio Titus 🙏 amén
@Dio Titus Capital one 360 checking & savings are good banking but their credit cards suck and those three hard credit pulls for one application totally sucks
@Dio Titus yea but it has an anual fee as well and can only redeem it as a statement credit and has a foreign transaction fee not to mention bcp is not accepted everywhere while the savor card is a world elite MasterCard
Two things Brendan didn’t mention were that the Capital One Savor card gives you 8% cash back on purchases made through the Capital One entertainment portal and 10% cash back on Uber rides and Uber eats. Not Lyft rides. No other credit card that I’ve heard of offers that much cash back on a spending category.
I have the Savor One and its an awesome card except for the fact that my credit limit Capital One gave me at $500 to start off with when I got approved. Pathetic limit.
I have the quick silver and I noticed everyone speaks on the 1.5 percent but what about the 5 percent when we do the hotel, flight and car rentals I never hear anybody talk about that?
Ive used my savor one at museums, bowling, movie theaters, and to watch a few musicals and I only got 1% cash back. I get 3-5% in the savor one categories but the entertainment catagory is hit or miss.
Savor One limits cash back to 1% at Walmart and Target Superstores. 9/2022
What counts as entertainment?
The Savor card is the better of the two cards. I currently have the Quicksilver card, the no annual fee version. I’m thinking of eventually seeing if I can product change my Quicksilver card to the SavorOne card (the no annual fee version), but not until I get another 1.5% or 2% back card. At this point, I’m thinking of getting the Bank of America Unlimited Cash card because I qualify to be a Preferred Rewards member as I have a retirement account with Merrill Lynch.
@@MrBankRelationsit’s allow now. My brother had his quicksilver card for almost a year and was able to PC to Savor
I have quick silver and capital one blue card
My best is savor one rewards 👍👍
I have both ❤
I'm new to credit cards. Can I still use the Savior 1 card for non food/entertainment things. I'm assuming it will still help my credit score, but I will just miss out on the cash back on purchases outside those areas.
@Shawn Thank you.
Wait I thought it replaced my quick silver , it’s a no for me if it’s another credit card tbh
Dude said it’s ONLY useful for 4 categories in which you could earn 3% lol
I'm looking to get a capital one which one do y'all recommend??? I have a chase freedom so I need another currently chase gave me 1000 limited
Capitalond Savor is one of the best credit cards at the moment and it comes with a high credit limit. Dm on ig for more tips
There are no annual fees on both of them
Quicksilver is visa or mastercard
I wish I got the Capital One Savor card
Have two quicksilvers. Really want the the SavorOne. Just don't want the three inquiries.
Quicksilvers
Same. however every now and then you can call them up and they might product change one of your cards. Thats how i was able to go from the platinum to the quicksilver. I call them every other month. Hoping one day i can just product change to the savor one card which will avoid the 3 inquiries.
Same Here. 2 Quick Silvers And 1 Apple Card. I Want That Savor Card Though. 😩 My CS Is 740+ And I ONLY Have 3 Inquiries Hence The 3 CC I Have. What Should I Do???!!!
I just call them to switch my platinum to quicksilver, you should call them and switch it.
@@StarFruit37so basically ask for an upgrade or just ask for a switch?
Does the Capital One Savor work at neighborhood Walmart grocery stores?
Do you need the be a student??
Does the Quicksilver card have Contactless Pay feature, and is it World Elite?? Just got approved last night
Yes and "world".
@@lifewithbreion1392 Thank you, Its acgually World Elite-- a pleasent surprise !
@@benrivera651 cool beans! Enjoy!
Most if not all credit and debit cards today have the contactless feature.
Their absolute crooks I pay my bill automatically every month on the 1st. Every month i get assessed a $29 late fee because Capital one holds the funds until after the due date then applies them so they can charge me a late fee
Have you contacted them about this to find out why it's happening? They have excellent customer service, so I'm sure they can help you. I've been a Capital One customer for over 15 years and have never experienced this. I've actually never had any problems at all with Capital one. I have two credit cards and a checking/savings account with them.
Pay via the app
savor one the best 3% in dinning perfect quicknsilver only give 1.5 %
The chase cards does not have entertainment as their categories
Ticket master, sporting and music events etc.
This is a terrible comparison. Should have compared it to the Venture which also has the same fee but gives 2% back on everything. Savor One would also be better option to compare since it is damn near the same card but with $0 annual fee.
My quicksilver card has a annual fee of $95
And my savior one says 0 annual fee
95/12 i dont care that is small