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Capital One QuicksilverOne Cash Rewards Credit Card vs Capital One Spark Cash
Both are well-respected travel cards. The Capital One QuicksilverOne Cash Rewards Credit Card comes from Capital One at $39/yr; the Capital One Spark Cash from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Capital One Spark Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($1,000 more in estimated value) than the Capital One QuicksilverOne Cash Rewards Credit Card's. Get the Capital One Spark Cash first; revisit the Capital One QuicksilverOne Cash Rewards Credit Card after you've earned that bonus.
| Feature | Capital One QuicksilverOne Cash Rewards Credit Card | Capital One Spark Cash |
|---|---|---|
| Annual fee | $39 | $95 |
| Sign-up bonus | Not advertised | $1,000 cash bonus |
| Bonus value (est.) | - | $1,000 |
| Min spend to unlock bonus | - | $10,000 in 3 mo |
| Issuer | Capital One | Capital One |
| Card category | credit-builder | business |
| Best earning category (Capital_one_travel_hotels_rental_cars) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One QuicksilverOne Cash Rewards Credit Card
$39/yr ·
Read the full review
Capital One Spark Cash
$95/yr · $1,000 cash bonus
Editorial take: Capital One Spark Cash
Common questions
- Which card has the bigger sign-up bonus, Capital One QuicksilverOne Cash Rewards Credit Card or Capital One Spark Cash?
- The Capital One Spark Cash has a public bonus ($1,000 cash bonus, worth roughly $1,000), while the Capital One QuicksilverOne Cash Rewards Credit Card doesn't advertise one right now.
- Is the Capital One QuicksilverOne Cash Rewards Credit Card's $39 annual fee worth it compared to the Capital One Spark Cash?
- At $39/yr, the Capital One QuicksilverOne Cash Rewards Credit Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Spark Cash's, pick the one whose perks you'll actually use.
- Can I have both the Capital One QuicksilverOne Cash Rewards Credit Card and Capital One Spark Cash?
- Yes, though both are issued by Capital One so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One QuicksilverOne Cash Rewards Credit Card or the Capital One Spark Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One QuicksilverOne Cash Rewards Credit Card: no published min spend. Capital One Spark Cash: $10,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.