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Capital One VentureOne Vs. Quicksilver | Bankrate

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The Capital One VentureOne Rewards Credit score Card and Capital One Quicksilver Money Rewards Credit score Card have fairly just a few issues in frequent, together with the truth that neither one prices an annual payment. Each playing cards additionally supply flat-rate rewards on spending, welcome bonuses value just a few hundred {dollars} and beneficiant zero-interest affords on purchases and stability transfers.

Nonetheless, these two playing cards dole out rewards in a different way, and the Capital One VentureOne, particularly, affords considerably extra choices in terms of redeeming your rewards for journey.

Reading:: Venture one vs quicksilver

In the event you’re evaluating the Capital One VentureOne and Capital One Quicksilver to resolve which one you need, learn on to see how they stack up.

Important particulars

Capital One VentureOne Capital One Quicksilver Welcome bonus 20,000 bonus miles after spending $500 inside three months of account opening $200 money bonus after spending $500 inside three months of account opening Rewards charge

  • 5X miles on inns and rental vehicles booked via Capital One
  • 1.25X miles on all purchases
  • 1.5% money again on all purchases

Intro APR 0% intro APR on purchases and stability transfers for 15 months (14.99% to 24.99% variable APR after) 0% intro APR on purchases and stability transfers for 15 months (14.99% to 24.99% variable APR after) Annual payment $0 $0

Capital One VentureOne vs. Capital One Quicksilver highlights

These two rewards playing cards have fairly a bit in frequent, however there are areas the place one wins out over the opposite. The classes beneath are some that you just probably care essentially the most about.

Welcome bonus winner: Tie

The Capital One VentureOne affords 20,000 bonus miles whenever you spend $500 on purchases inside three months of account opening—value $200 in assertion credit in your account. The Capital One Quicksilver affords a $200 money bonus with the identical minimal spending requirement. The one distinction is incomes your rewards as miles or money again.

Rewards charge winner: Capital One Quicksilver

The Capital One VentureOne is a journey bank card that provides each 1.25X miles on all purchases and 5X miles on inns and rental vehicles booked via Capital One Journey. But when your major focus is flat-rate rewards on each buy, the Capital One Quicksilver’s 1.5 % money again on all purchases takes the cake.

This implies $1,000 typically spending would internet you $12.50 in assertion credit with the Capital One VentureOne, but you’ll earn $15 in assertion credit with the Capital One Quicksilver.

After all, for those who’re extra targeted on journey fairly than money again (and anticipate reserving via Capital One Journey typically), the VentureOne could be the higher selection.

Bank card charges winner: Tie

These two playing cards have the identical $0 annual payment, so that they tie on this class. Neither card prices overseas transaction charges, both, so you should utilize them for purchases outdoors of the US with out paying extra.

Intro APR supply winner: Tie

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Each the VentureOne and Quicksilver supply 0 % introductory APRs on purchases and stability transfers for 15 months, adopted by a variable APR of 14.99 % to 24.99 %.

Additionally they each cost the identical 3 % stability switch payment whenever you switch a stability throughout their introductory intervals.

Which card earns essentially the most?

It’s simple to see why you’ll choose the Capital One Quicksilver for those who care essentially the most about flat-rate rewards on on a regular basis purchases. This card affords a limiteless 1.5 % money again on each buy, whereas the Capital One VentureOne affords 1.25X miles on each buy (equal to 1.25 % in money again).

However, how a lot do these rewards charges actually affect your earnings? That relies on how a lot you spend in your card every year.

Capital One VentureOne vs. Capital One Quicksilver spending instance

To find out how a lot your non-category rewards would possibly range with these two Capital One bank cards, let’s think about you’re a household of 4 with dad and mom underneath the age of fifty and two children (a lady and a boy), ages 12 and 13.

In response to the US Division of Agriculture (USDA), you would possibly spend a median of $14,598 per yr ($1,216.50 per 30 days) on meals on a “reasonable” finances. Let’s additionally think about you spend $3,600 per yr eating out ($300 per 30 days) and one other $12,000 per yr ($1,000 per 30 days) on miscellaneous purchases.

With a complete of $30,198 spent on a bank card every year, you’ll earn the next quantities in rewards with both card:

  • Capital One VentureOne: roughly $377 in rewards
  • Capital One Quicksilver: roughly $452 in rewards

Why do you have to get the Capital One VentureOne?

In the event you journey often or would get some use out of the 5X miles class for inns and rental vehicles booked via Capital One Journey, the VentureOne may very well be the cardboard for you. Listed below are among the standout options and advantages you’ll be able to count on.

Further advantages

One essential advantage of Capital One VentureOne is the truth that you get a 0 % intro APR on purchases and stability transfers for 15 months, adopted by a variable APR of 14.99 % to 24.99 %. This profit will help you save large on curiosity whether or not you wish to pay down a big buy over time or must consolidate debt.

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This card additionally comes with Capital One VentureOne advantages together with prolonged warranties, journey accident insurance coverage and no overseas transaction charges.

Redemption choices

In the event you wish to journey, the Capital One VentureOne is a greater choice by far. Not solely are you able to redeem your factors for journey assertion credit in your account, however you’ll be able to switch your miles to Capital One airline and resort companions. You too can use your miles for purchases on Amazon.com and PayPal.

Beneficial credit score rating

The Capital One VentureOne requires good to glorious credit score, so not everybody can qualify.

Why do you have to get the Capital One Quicksilver?

The Capital One Quicksilver is a money again bank card with a greater rewards charge for non-category purchases, however there are different elements to think about earlier than you join.

Further advantages

The Capital One Quicksilver lets customers skip curiosity on purchases and stability transfers for a similar period of time because the VentureOne, which will be helpful for many who must consolidate debt or get a break from curiosity funds on new purchases. This card additionally comes with just a few additional perks, equivalent to prolonged warranties, journey accident insurance coverage and no overseas transaction charges.

Redemption choices

When you earn money again with this card, you’ll be able to redeem it for a verify within the mail, assertion credit in your account, reward playing cards or purchases made via Amazon.com or PayPal.

Beneficial credit score rating

Just like the VentureOne, the Capital One Quicksilver additionally requires good to glorious credit score.

The underside line

In the event you’re trying to earn miles and wish extra methods to redeem rewards for journey, choose the Capital One VentureOne. In the meantime, you must choose the Capital One Quicksilver for those who’re after a better rewards charge on all the pieces you purchase.

Each of those playing cards are glorious for incomes rewards with no annual payment, but the correct card for you relies on what you need essentially the most.

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