Capital One VentureOne Card vs. Capital One QuicksilverOne Card [Detailed Comparison]

There’s plenty to be said about keeping things simple, even when selecting a credit card. Few credit card issuers do a better job of reflecting that philosophy than Capital One.

The card issuer is historically known for its core collection of rewards-earning cards that offer simplified earning structures yet also provide flexible choices at redemption time.

Today we’re narrowing our comparison to 2 cards that match this description perfectly — the Capital One VentureOne Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card.

We’ll look closely at how the cards compare in earning potential, your options at redemption time, and the accompanying card benefits.

While both cards have similarities, chances are that one card is a better fit for you than the other.

Overview

Shortly, we’ll take a deeper dive and look specifically at how each card works.

But first, here’s an overall summary of how the cards compare in all the key features and benefits:

Welcome Bonus Offers Compared

Once approved for the Capital One VentureOne card, you can earn a welcome offer. The welcome offer is earned by meeting minimum spending requirements within the specified period after card approval.

The Capital One VentureOne card historically has a welcome offer worth a few hundred dollars. Since welcome bonus offers can change, here are snapshots of our featured cards with current information. Be sure to check for the most recent offer before applying for any card.

Terms Apply / Rates & Fees

Capital One VentureOne Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Learn More(at Capital One's secure site)

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Welcome Offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

20,000 miles

UP's Bonus Valuation*:

$360

Annual Fee

$0

APR

19.74% - 29.74% (Variable),0% intro on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons

Pros

• No annual fee (rates & fees)
• No foreign transaction fees (rates & fees)
• Ability to use transfer partners

Cons

• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits

Read Full Review

Card Highlights

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies

Financial Snapshot

• APR: 19.74% - 29.74% (Variable),0% intro on purchases for 15 months
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One QuicksilverOne Cash Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Unlimited 1.5% cash-back on all purchases while you work your way up to a higher credit line. Redeem rewards for any amount at any time.

Learn More(at Capital One's secure site)

Capital One QuicksilverOne Cash Rewards Credit Card

Unlimited 1.5% cash-back on all purchases while you work your way up to a higher credit line. Redeem rewards for any amount at any time.

Welcome Offer

None

Annual Fee

$39

APR

29.99% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Fair to Good (580-739)

Why We Like This Card

If you’re looking to build your credit, and earn cash-back rewards while doing so, then the Capital One QuicksilverOne Cash Rewards Credit Card is a fantastic option. You can increase your credit line just paying your bill on time every month and you’ll earn an unlimited 1.5% cash-back on all of your purchases.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• Automatic credit line review after 6 months of on-time payments
• Unlimited access to your credit score via CreditWise

Cons

• $39 annual fee (rates & fees)

Read Full Review

Card Highlights

• Earn unlimited 1.5% cash back on every purchase, every day
• No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
• Be automatically considered for a higher credit line in as little as 6 months
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Help strengthen your credit for the future with responsible card use
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set

Financial Snapshot

• APR: 29.99% (Variable)
• Foreign Transaction Fees: None

Earning Potential

Once you’re approved for either of our featured cards, you can earn additional rewards by referring family and friends and by spending on your new card.

Here’s how you’ll earn rewards on the Capital One VentureOne card and the Capital One QuicksilverOne card.

Spending on the Cards

No need to memorize complicated earning schemes as accumulating rewards on either the Capital One VentureOne card or Capital One QuicksilverOne card is straightforward.

Rewards earned on the Capital One VentureOne card are earned as Capital One miles that work as travel rewards (not frequent flyer miles), while the Capital One QuicksilverOne card earns cash-back.

Here’s how you’ll earn rewards on every purchase you make with either card:

While it’s obvious that the Capital One VentureOne card earns less overall than the Capital One QuicksilverOne card, keep in mind that the latter does have an annual fee. You would need to spend $2,600 each year (x 1.5%) to offset the $39 (rates & fees).

Earnings are just one reason to select one card over the other. Let’s continue by looking at how the redemption options, card features, and additional benefits compare.

Redemption Options

When it’s time to redeem the rewards you’ve earned on the Capital One VentureOne card or the Capital One QuicksilverOne card, you’ll have several options.

The best potential redemption value for your rewards comes with the Capital One VentureOne card when transferring miles to airline or hotel partners for award flights or free hotel nights.

Cash-back rewards earned on the Capital One QuicksilverOne card can be transferred to the Capital One VentureOne card if you have both cards. Then, the rewards can be transferred to airline or hotel partners. Cash-back rewards can also be transferred to the Capital One Venture Rewards Credit Card or the Capital One Venture X Rewards Credit Card.

Redeeming miles as a statement credit for purchases other than travel with the Capital One VentureOne card can result in a poor value of 0.5 cents per mile and is not recommended. The Capital One QuicksilverOne card allows you to redeem cash-back for the full value of 1 cent towards a statement credit.

Travel Protections and Benefits

Travel protections can provide coverage should something go wrong during your trip. Travel benefits can save you money on select purchases and also make your trip more comfortable.

No Foreign Transaction Fees

A typical foreign transaction fee is 3% of the total transaction. You won’t have to worry about foreign transaction fees as neither of our featured cards charges these fees.

• Capital One VentureOne card: (rates & fees)
• Capital One QuicksilverOne card: (rates & fees)

Capital One VentureOne Card

Auto Rental Collision Damage Waiver

Reserve and pay for your entire rental with your card, decline the rental agency’s CDW/LDW coverage, and receive secondary coverage for theft, damage, loss of use, and towing on your rental car for rentals 31 days or less outside your country of residence. Rentals of 15 days or less are covered for secondary coverage within your country of residence. Secondary coverage means that you must first file a claim with any other applicable insurance before card coverage applies.

Lost Luggage Benefit

The lost luggage benefit delivers secondary coverage if your bags are lost or stolen. Should a loss occur, you could receive any difference between the common carrier claim payment and the actual amount of your claim.

Shopping Protections and Benefits

Shopping protections can provide coverage if something goes wrong with an eligible item after purchasing it with your card. Shopping benefits can save you money.

Here are the shopping protections and benefits you’ll find on both the Capital One VentureOne card and the Capital One QuicksilverOne card:

Capital One Offers

Log in to your online card account to find Capital One Offers from retailers, travel providers, and dining establishments. Save the offers you like to your account and make the required purchase to earn statement credits.

Capital One Shopping

Capital One Shopping is a great way to find the lowest prices when online shopping. And the browser extension is available to everyone, not just cardholders. The tool searches for money-saving coupons and lower prices automatically, whenever you shop online.

Account Management and Security Features

As the Capital One QuicksilverOne card is designed to help build credit, it’s worth pointing out the account management features that come with the card. You’ll also find these features on the Capital One VentureOne card.

• CreditWise — Access and monitor your credit at no cost with CreditWise.
• Capital One Mobile App — Manage your account on the go by accessing your account, locking your card as a safety measure, making a payment, viewing transactions, and checking your balance.
• Customized Alerts — Set up alerts for notification of specific activity on your account or for payment reminders.
• Fraud Coverage — You will not be responsible for unauthorized charges if your card is lost or stolen.
• Eno Virtual Card Assistant — With Eno, you can make online payments with virtual card numbers, receive account alerts, or have your questions answered.

Capital One VentureOne Card

Extended Warranty

Extended warranty protection doubles the length of the manufacturer’s warranty of 2 years or less by a maximum of 2 additional years. For example, an item with a manufacturer’s warranty of 2 years has an additional 2 years of warranty added. With a manufacturer’s warranty of 1 year, an additional year is added.

Purchase Security

Purchase an eligible item with the Capital One VentureOne card and receive coverage for damage or theft for up to 90 days from the purchase date if the item is damaged or stolen.

Introductory 0% APR Period on Purchases and Balance Transfers

You could save money and pay back the purchase or balance transfer over time with the introductory 0% APR period for purchases on the Capital One VentureOne card: 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies (rates & fees). Note that balance transfer fee does apply.

Applying for Capital One Cards

It’s recommended to have a good to excellent credit score to be considered for the Capital One VentureOne card. A good credit score is generally considered 670 or above, although we recommend having at least a 700 score to increase your chances of approval.

Additionally, Capital One states that a successful applicant “must never have declared bankruptcy or defaulted on a loan, or medical bill, and has had a loan or credit card for $5,000 or more in the last 3 years.”

For the Capital One QuicksilverOne card, a fair or average score is recommended. Fair credit is described by Capital One as “having defaulted on a loan in the past 5 years or having a limited credit history of less than 3 years.” Credit score company FICO states that a fair score is a credit score that falls between 580 and 669.

Fortunately, you can find out your chances of approval without risk by using the CardMatch tool. With no hard inquiry on your credit report, the tool lets you know if have card offers waiting for you. Capital One and other card issuers participate.

Capital One has its own preapproval tool that is also risk-free with no hard credit inquiry.

Next-Step Cards From Capital One

If your credit is closer to being excellent, you may want to consider a Capital One card with greater earnings and benefits.

Here are 2 popular Capital One cards we recommend:

Capital One Venture X Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$395

APR

19.99% - 29.74% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee (rates & fees)
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: 19.99% - 29.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

The frequent traveler will find plenty of value in holding the Capital One Venture X card. We like that the card comes with up to $300 in annual credits to be used for travel purchased via Capital One Travel. The card also offers worldwide lounge access with a complimentary Priority Pass Select membership and has elevated earnings on travel purchased via Capital One Travel. Plus, every purchase you make will earn 2x miles.

Capital One Venture Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$95

APR

19.99% - 29.74% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: 19.99% - 29.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Keeping with the theme of simplified earnings, you’ll love that the Capital One Venture card earns 2x miles on every purchase. There’s no need to keep track of bonus categories or register for quarterly promotional earnings. We also like that the card can come with a generous welcome offer which, once earned, can jumpstart your rewards-earning and allow you to book that vacation much sooner than you anticipated.

Final Thoughts

The Capital One VentureOne card, with a $0 annual fee (rates & fees), is a decent card choice if you have a good to excellent credit score and want flat-rate earnings on all your purchases. There’s also value in having the redemption option of transferring your miles to airline and hotel partners where your rewards can potentially be worth much more.

As it can be difficult to find a credit-building card that also earns rewards, the Capital One QuicksilverOne card could work well for you if you’re in that situation. The card has a competitive 1.5% cash-back earning rate on every purchase, a low $39 (rates & fees), and flexible choices at redemption time. With a high ongoing interest rate, the card does not work well if you need to carry a balance.

Additionally, if you own a business, you’ll want to check out Capital One’s collection of available business cards.

For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.