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Compare the Features and Benefits of Instacart Mastercard® Credit Card and
Capital One Quicksilver Cash Rewards Credit Card

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
Secondary Car Rental CDW Waiver
Extended Warranty
Trip Protections
Purchase Protection
Roadside Assistance
Concierge Services
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
No Foreign Transaction Fees
Grants Car Rental Status
Free Access to Credit Score
Annual Fee
$0
Avg. Min. Credit Score
670-850
APR on purchases
-
APR on balance transfers
-
Ongoing APR
20.24%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Best Multiplier
2x Gas Stations
2x Dining Out / Food Delivery
2x Streaming Services
1x Airfare

5X is only on purchases made through Chase Travel (SM); 1X otherwise

1x Hotels

5X is only on purchases made through Chase Travel (SM); 1X otherwise

1x Car Rentals

5X is only on purchases made through Chase Travel (SM); 1X otherwise

1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
🎁 Bonus offer
Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.88) 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

This card is designed for heavy Instacart uses. Much like the Amazon credit card only makes sense if you spend a ton at Amazon, the Instacart credit card only makes sense if you already spend a ton at Instacart as the 5% back will add up – and it’s a no annual fee credit card.

If you are looking for a powerful card for all supermarket purchases, you’d be much better off with one of our top credit cards for supermarkets like the American Express Gold Card, which earns 4X Membership Rewards at supermarkets, up to $25,000 a year (earn 1X thereafter).

But if you are loyal to Instacart, this card is worth considering.

It is a World Elite Mastercard, so it does come with some additional benefits as well.

Additional Benefits include:

  • World Elite Concierge
  • Baggage Delay Insurance
  • Extended Warranty Protection
  • Purchase Protection
  • Lost Luggage Reimbursement
  • Travel Accident Insurance
  • Roadside Assistance
  • Secondary Car Rental Collision Damage Waiver coverage

Overall, if you are a huge Instacart user, this card is worth it for the 5% back on all your purchases. But if you aren’t, you might find a better card for your spend in our Famous Card Explorer.

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Trip Protections
yes
Purchase Protection
yes
Roadside Assistance
yes
Concierge Services
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
No Foreign Transaction Fees
no
Grants Car Rental Status
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850
APR on purchases
0% Intro APR (on purchases for 15 months, 18.49%-28.49% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 18.49%-28.49% thereafter)
Ongoing APR
18.49%-28.49% (Variable)
Balance transfers fees
Balance transfer fee applies
Best Multiplier
1.5x Car Rentals

Earn 5X only when booked via the Capital One Travel Portal; otherwise earn 1.5% cash back

1.5x Hotels

Includes vacation rentals; Earn 5X only when booked via the Capital One Travel Portal; otherwise earn 1.5% cash back

1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
🎁 Bonus offer
Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.8) 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 Quicksilver Cash Rewards Credit Card is perfect for someone that wants a simple cash back card (no need to remember which card to use for which bonus category and does a lot of international travel. While the Citi Double Cash card earns 2% cash back on everything, the Double Cash carries a foreign transaction fee of 3% of your purchase.

With Quicksilver, you will never pay any foreign transaction fees or annual fees, and you’ll earn a simple 1.5% cash back on everything. If you book travel via the Capital One Travel portal, you’ll earn 5% on hotels, vacation rentals, and rental cars (1.5% if booked outside of Capital One Travel).

Capital One Quicksilver

Plus, you’ll get a small cash bonus when you meet the terms of the Early Spend Bonus with your new Quicksilver card.

PRO TIP:

If you have another credit card which earns Capital One Miles, like the Capital One Venture X, Capital One Venture, Capital One VentureOne, or Capital One Spark Miles for Business, you can transfer your cash from your Quicksilver to those cards, turning them into 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 Ratio Expected Transfer Time
Air Canada (Aeroplan) 1:1 Instant
Air France / KLM Flying Blue 1:1 Instant
Avianca Lifemiles 1:1 Instant
Aeromexico 1:1 Instant
British Airways Avios 1:1 TBD
Cathay Pacific Asia Miles 1:1 Nearly instant
Choice Hotels 1:1 1 day
Emirates Skywards 1:1 Instant
Etihad Guest 1:1 1-2 days
EVA 2:1.5 1-2 days
Finnair 1:1 Instant
JAL (Japan Airlines) Mileage Bank 2:1.5 (Account must be open for 7 days before transfer) TBD
JetBlue 5:3 TBD
Qantas 1:1 1-2 days
Qatar Avios 1:1 TBD
Singapore Airlines KrisFlyer 1:1 1-2 days
TAP Air Portugal 1:1 TBD
Turkish Airlines Miles&Smiles 1:1 TBD
Wyndham Rewards Hotel Program 1:1 Instant
Virgin Red 1:1 TBD
Accor Live Limitless (ALL) Hotel Program 2:1 1-2 days
I Prefer Hotel Rewards: 1:2 TBD

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Trip Protections
yes
Purchase Protection
no
Roadside Assistance
no
Concierge Services
no
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
No Foreign Transaction Fees
yes
Grants Car Rental Status
yes
Free Access to Credit Score
yes

Learn more about these cards today

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