Difference Between Capital One Quicksilver And Discover It Cash Back

1. Discover it cash back offers more rewards in first year. Discover it cash back offers better rewards but need to activate bonus categories.

Capital one quicksilver offers simple flat rate reward program with low maintenance.

2. Pros:

Capital One Quicksilver

Discover It Cash Back

No annual fee

No annual fee

Flat rate reward program

High reward rate

Easy redemption

Double rewards in first year

Intro apr on purchase and balance transfer

Intro apr on purchase and balance transfer

Sign up bonus

 

Low maintenance

 
   

3. Cons:

Capital One Quicksilver

Discover It Cash Back

No bonus categories

1% cash back on non bonus categories.

 

Need to activate bonus categories

 

Bonus categories may not be inline with spending.

4. 

 

Capital One Quicksilver

Discover It Cash Back

Our Rating

   

Reward Rate

Earn unlimited 1.5% cash back on every purchase, every day

5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

Sign Up Bonus

$150 if you spend $500 in first 3 months

Discover will match cash back earned at the end of your first card year

Annual Fee

$0

$0

Intro Apr

0% on Purchases and Balance Transfers for 15 months

0% on Purchases and Balance Transfers for 14 months

Regular Apr

15.74% – 25.74% Variable APR

13.49% to 24.49% variable

Credit Needed

Good to Excellent 690- 850

Good to Excellent 690 – 850 

Foreign Transaction Fee

None

None

Balance Transfer Fee

3%

3%

Cash Advance Fee

3% min $10

5% min $10

Cash Advance apr

25.74% variable

26.49% variable

5. Why To Get Capital One Quicksilver:

If you want easy to earn sign up bonus and simple flat cash back on all purchase capital one quicksilver is best choice.

6. Why to Get Discover It Cash Back:

If you rotating cash back categories and want maximum rewards in first year, discover it cash back is good choice.

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

Discover It Cash Back Review With Pro And Cons

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