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

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
No Foreign Transaction Fees
Trip Protections
Free Access to Credit Score
Annual Fee
$495
Avg. Min. Credit Score
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
5x Airfare
5x Dining Out / Food Delivery
3x Transit
3x Hotels
3x Lyft
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.016
Bonus Offer
None. Product is not currently available to new applicants
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.5) 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

Although it has a hefty $495 annual fee, power users can find good rewards.

Citi Prestige Benefits

  • Get the 4th night free on hotel bookings of 4 or more consecutive nights made through the Citi travel center – capped at 2x per calendar. Note that all bookings must be made online and will not qualify for most hotel loyalty program’s elite benefits or points earning. The Citi portal is now powered by Booking.com
  • You will also get a $250 travel credit every calendar year (super easy to use and automatically applied against all travel charges) and Priority Pass airport lounge access, with full access to Priority Pass Experiences like airport dining.
  • Cell phone protection: The Citi Prestige offers up to $1,000 per claim with up to 2 claims per year. Max is $1,500 in a 12-month period with a $50 deductible per claim.

Because of the high annual fee, if you won’t take advantage of the 4th night free benefit, the Citi Premier card is likely a better card for you if your goal is to earn Citi ThankYou points.

This card is no longer available to new applicants. There is not currently a replacement but one is rumored. 

Read more
Unique Card Benefits
no
Extended Warranty
no
No Foreign Transaction Fees
no
Trip Protections
no
Free Access to Credit Score
no
Annual Fee
$39
Avg. Min. Credit Score
580-850
Ongoing APR
29.99% (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
Extended Warranty
yes
No Foreign Transaction Fees
yes
Trip Protections
yes
Free Access to Credit Score
yes

Learn more about these cards today

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