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VS

Compare the Features and Benefits of Capital One QuicksilverOne Cash Rewards Credit Card and
Citi Rewards+®

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Free Access to Credit Score
Extended Warranty
No Foreign Transaction Fees
Trip Protections
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
No Fees for Authorized Users
Annual Fee
$39
Avg. Min. Credit Score
580-850
APR on purchases
-
APR on balance transfers
-
Ongoing APR
29.74% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
5x Car Rentals

When booked via Capital One Travel; otherwise earn 1.5X

5x Hotels

When booked via Capital One Travel; otherwise earn 1.5X

1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
None at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Capital One QuicksilverOne Cash Rewards Credit Card is similar to the Capital One Quicksilver Cash Rewards Credit Card with a few main exceptions.

  • The Capital One QuicksilverOne Cash Rewards credit card requires a credit score of only around 600, while the The Capital One Quicksilver Cash is looking for a FICO around 700.
  • The Capital One QuicksilverOne does not offer any car rental CDW / LDW coverage.
  • The Capital One QuicksilverOne charges a $39 annual fee whereas the Quicksilver has no annual fee.
  • The Capital One QuicksilverOne Cash Rewards credit card does not have any introductory 0% APR offers or 0% intro balance transfers while the Quicksilver offers both.
  • The Quicksilver offers a higher credit line.
  • You can expect to be automatically considered for a credit limit increase for your Capital One QuicksilverOne Cash Rewards credit card after 6 months if you are making on-time payments.

With QuicksilverOne, you will never pay any foreign transaction fees, and you’ll earn 1.5% cash back on all eligible purchases. If you book travel via the Capital One Travel portal, you’ll earn 5% on hotels and rental cars (1.5% if booked outside of Capital One Travel).

PRO TIP:

If you have another credit card which earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles for Business, you can transfer your cash from your QuicksilverOne Cash Rewards credit card to those cards, where they become Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

Here’s a list of Capital One Miles airline and hotel transfer partners

Capital One Miles
Transfer RatioExpected Transfer Time
Air Canada (Aeroplan)1:1Instant
Air France / KLM Flying Blue1:1Instant
Avianca Lifemiles1:1Instant
Aeromexico1:1Instant
British Airways Avios1:1TBD
Cathay Pacific Asia Miles1:1Nearly instant
Choice Hotels1:11 day
Emirates Skywards1:1Instant
Etihad Guest1:11-2 days
Finnair1:1Instant
Qantas1:11-2 days
Singapore Airlines KrisFlyer1:11-2 days
TAP Air Portugal1:1TBD
Turkish Airlines Miles&Smiles1:1TBD
Wyndham Rewards Hotel Program1:1Instant
EVA2:1.51-2 days
Accor Live Limitless (ALL) Hotel Program2:11-2 days
Virgin Red1:1TBD
Read more
Unique Card Benefits
yes
Free Access to Credit Score
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Trip Protections
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
No Fees for Authorized Users
no
Annual Fee
$0
Avg. Min. Credit Score
670-850
APR on purchases
0% Intro APR (on purchases for 15 months, 17.74%-27.74% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 17.74%-27.74% thereafter)
Ongoing APR
17.74%-27.74% (Variable)
Balance transfers fees
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
Best Multiplier
2x Gas Stations
2x Groceries
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.016
Bonus Offer

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.43) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Citi Rewards+ card comes with no annual fee but offers a unique value proposition among the sea of rewards credit cards on the market. In fact, it’s the only credit card to automatically round up to the nearest 10 points on all purchases made with the card. This can be vastly beneficial for small purchases you make on the card, as you’ll get to supercharge your ThankYou points® earning ability with the Citi Rewards+.

The card’s only bonus categories are gas stations and grocery stores, which will be useful for most households. You’ll earn 2x points on the first $6,000 spent every year in these categories combined, which breaks down to roughly $500 in monthly spend. If you exceed this spending cap, you’ll only earn 1x points per $1 spent.

gas-stations-citi-rewards-plus

Redeeming your ThankYou points is easy through your online Citi account, where you’ll get the best redemption value from travel or gift cards at 1 cent per point. While other rewards like “Shop with Points” or redeeming for a statement credit may be enticing, these redemption options present a poor value at just 0.8 cents and 0.5 cents, respectively. (Note: When we value the “minimum” redemption value of this card in our calculator at 1 cent per point, we are assuming you will take the maximum redemption option of gift cards.)

No matter how you redeem your points, you’ll get to earn 10% of all the points you redeem every year — up to the first 100,000 points annually. That’s a nice little boost to your ThankYou points balance.

Not only is the Citi Rewards+ a good choice for everyday purchases, but it also makes for a great supplementary card to any other Citi rewards cards you may have in your wallet since you can pool your points together.

If you already have the Citi Premier, a popular travel rewards card, you’ll earn 3x points on restaurants, supermarkets and gas stations, air travel and hotels, and 1x point on all other purchases. That’s where the Citi Rewards+ comes in: you can use the card for small purchases or non-bonus categories to take advantage of that favorable 10% automatic round-up feature.

Plus, if you also have a Citi Premier, you can cash out all of your Citi ThankYou points for 1 cent each or transfer them to ThankYou airline and hotel transfer partners.

(Please note: Without also holding a Citi Premier or Citi Prestige card, you will not be able to transfer these points to Citi’s ThankYou® airline and hotel transfer partners.)

Finally, you’ll have peace-of-mind with important coverages like purchase protection and extended warranty that can come in handy when your eligible card purchases are damaged or stolen.

Read more
Unique Card Benefits
yes
Free Access to Credit Score
yes
Extended Warranty
no
No Foreign Transaction Fees
no
Trip Protections
no
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
No Fees for Authorized Users
yes

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