17 Difference Between Capital One Quicksilver And Discover It Balance Transfer

capital one quicksilver,discover it balance transfer,difference

1. If you need simple flat rate reward program, go with capital one quicksilver. If you are interested in bonus categories go with discover it balance transfer.
If you are going to use card significantly in first year go with discover it balance transfer.
If you are interested in intro purchase apr go with quicksilver.
If you are interested in balance transfer go with discover it balance transfer.
If you are interested in up front sign up bonus, go with quicksilver.

  Capital One Quicksilver: Discover It Balance Transfer:
Pros:

High flat reward rate

No annual fee

No foreign transaction fee

0% intro apr on Purchases and Balance Transfers for 15 months
$150 Sign up bonus


Bonus categories

Lengthy intro balance transfer period

No annual fee

No Foreign Transaction fee

Unique sign up bonus

Cons:

No bonus categories

Good credit needed

Acceptance outside us is issue

If you need simple reward program, flat rate card is better

Intro Apr: 0% intro APR on purchases and balance transfer for 15 months 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months
Reward Rate: 1.5% cash back on every purchase Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee: $0 $0
Balance Transfer Fee: 3% 3% intro balance transfer fee, up to 5% fee on future balance transfers.
Sign Up Bonus: $150 after spending $500 in first 3 months Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.
Foreign Transaction Fee:

 

None

 

None
Regular Apr:

 

16.24%-26.24% variable

 

14.24% – 25.24% (V)
Cash Advance Apr:

 

26.24% (V)

 

27.24 % V
Cash Advance Fee:

 

3% (min $10)

 

5% (min $10)
Max Late Fee: $39 $39
Customer Experience:

24/7 customer service?: Yes

Online chat available?: Yes

Google Play Store mobile app rating: 4.7/5

Apple Store mobile app rating: 4.6/5

 

 

 

24/7 customer service?: Yes

Online chat available?: Yes

Google Play Store mobile app rating: 4.6/5

Apple Store mobile app rating: 4.8/5

Other Benefits:

Free credit score monitoring with CreditWise

Purchase security

Roadside assistance

Baggage insurance

Travel upgrades and savings

VIP access to events

 

 

Fraud protection

Free FICO® credit score

No penalty for first late payment

Instant account freeze

100% U.S.-based service

Free social security number alerts

Get It:

If you want flate rate card.

If you want up front sign up bonus.

If you want 0% intro apr on purchase and balance transfer for 15 months.

 

 

If you dont mind playing with bonus categories.

If you are going to use card significantly in first year.

If you are interested in 0% intro balance transfer for 18 months.

Capital One Quicksilver Cash Rewards Credit Card Review With Pro And Cons

Related Difference Cards:

9 Difference Between Discover It Balance Transfer And Wells Fargo Platinum

14 Difference Between Capital One Quicksilver And Quicksilver One

Difference Between Capital One Quicksilver And Discover It Cash Back

 

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