17 Difference Between Capital One Quicksilver And Discover It Balance Transfer

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.

2. Intro Apr:

Capital One Quicksilver:

0% intro APR on purchases and balance transfer for 15 months

Discover It Balance Transfer:

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

3. Reward Rate:

Capital One Quicksilver:

1.5% cash back on every purchase

Discover It Balance Transfer:

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.

4. Annual Fee:

Capital One Quicksilver:

$0

Discover It Balance Transfer:

$0

5. Balance Transfer Fee:

Capital One Quicksilver:

3%

Discover It Balance Transfer:

3% intro balance transfer fee, up to 5% fee on future balance transfers.

6. Sign Up Bonus:

Capital One Quicksilver:

$150 after spending $500 in first 3 months

Discover It Balance Transfer:

Discover will match ALL the cash back you’ve earned at the end of your first year, automatically.

7. Pros:

Capital One Quicksilver:

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

Discover It Balance Transfer:

Bonus categories
Lengthy intro balance transfer period
No annual fee
No Foreign Transaction fee
Unique sign up bonus

8. Cons:

Capital One Quicksilver:

No bonus categories
Good credit needed

Discover It Balance Transfer:

Acceptance outside us is issue
If you need simple reward program, flat rate card is better

9. Foreign Transaction Fee:

Capital One Quicksilver:

None

Discover It Balance Transfer:

None

10. Regular Apr:

Capital One Quicksilver:

16.24%-26.24% variable

Discover It Balance Transfer:

14.24% – 25.24% (V)

11. Cash Advance Apr:

Capital One Quicksilver:

26.24% (V)

Discover It Balance Transfer:

27.24 % V

12. Cash Advance Fee:

Capital One Quicksilver:

3% (min $10)

Discover It Balance Transfer:

5% (min $10)

13. Max Late Fee:

Capital One Quicksilver:

$39

Discover It Balance Transfer:

$39

14. Customer Experience:

Capital One Quicksilver:

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

Discover It Balance Transfer:

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

15. Other Benefits:

Capital One Quicksilver:

Free credit score monitoring with CreditWise
Purchase security
Roadside assistance
Baggage insurance
Travel upgrades and savings
VIP access to events

Discover it Balance Transfer:

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

16. Get Capital One Quicksilver Card:

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.

17. Get Discover it Balance Transfer Card:

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

 

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