This information is subject to change without notice in the sole discretion of the vendor and TSA cannot guarantee that it is accurate or up to date. A balance transfer fee might sound intimidating, but it will often end up saving you money when paired with an introductory APR considering how high interest rates are.TSA provides these links for convenience only and does not endorse any of these companies, their products or services. But don’t let that dissuade you from utilizing a balance transfer during that time. Keep in mind both cards feature a 3% balance transfer fee during those 15 months, with no fee after the 15 months are up. The Quicksilver from Capital One is a great no-annual-fee option for folks who want a simple 1.5 return on their spending and tend to make purchases at a wide variety of merchants. With either card, people get a 0% intro APR for purchases and balance transfers for 15 months (then 19.99% to 29.99% variable).ĭuring that time, you can pay down existing credit card debt via a balance transfer, or make a large purchase and pay down the balance while it accrues no interest. Intro APR offerīoth credit cards offer cardholders the ability to avoid interest charges for new purchases and balance transfers via their introductory APR offers. The biggest differences between Capital One’s VentureOne and Quicksilver cards are their rewards currencies and earning rates, among others. However, Capital One doesn’t partner with many US airlines, so unless you mainly travel internationally, you’re still better off utilizing the Quicksilver for its strong rewards. If you were planning to utilize mile transfers, you could only do so with the VentureOne. It is worth noting that the Quicksilver has limited redemption options for travel compared to the VentureOne. The Quicksilver offers cardholders extended warranty protection* and travel accident insurance*, but no auto rental insurance. The VentureOne Rewards card has a slight edge here thanks to the addition of its auto rental insurance* benefit. Capital One Quicksilver Cash Rewards Credit Card - best for flat-rate cash back Capital One Spark Miles for Business - best for business travel Capital One Spark Cash Plus - best for unlimited business cash back Why Trust Us At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. They both have late payment fees, a cash advance fee and a balance transfer fee, so neither card gains any ground here. Neither card asks for an annual fee or any foreign transactions fees. Both welcome bonuses offer the same value for the same amount of spending. Capital One Quicksilver: Earn a $200 cash bonus after spending $500 on purchases within three months from account openingĪs long as you choose to redeem your 20,000 miles with the VentureOne for past travel expenses or booking travel through Capital One Travel, the bonus will equal $200 in value.Capital One VentureOne: Earn a bonus of 20,000 miles once you spend $500 on purchases within three months from account opening.View side-by-side comparison of rewards, rates, fees, and benefits at. Here are the welcome bonuses for both cards: Compare Chase Freedom Unlimited vs Capital One VentureOne and see which is better. This means 75,000 Capital One miles are worth 750 in travel whether you use them to book airfare, hotels or rental cars via Capital One Travel. No matter how you slice it, the Quicksilver will provide more rewards than the VentureOne for the same amount of spending. They also respectively earn 5% cash back and 5x miles per dollar for rental cars and hotels booked through Capital One Travel. The Quicksilver offers 1.5% cash back for every purchase, compared to the 1.25x miles per dollar of the VentureOne. The Quicksilver still comes equipped with travel accident insurance*, and neither card has foreign transaction fees. The VentureOne does offer an additional travel perk of auto rental insurance*, but that doesn’t outweigh the value of the Quicksilver’s rewards. Despite the Capital One VentureOne Rewards Credit Card* being marketed as a travel card, the Capital One Quicksilver Cash Rewards Credit Card* is the more lucrative choice for both your travel and everyday spending as it earns a higher cash-back rate.
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