First-year winner
Capital One Quicksilver Cash Rewards Credit Card
$54 Year 1 edge
$637 vs $583
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Apple Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Daily Cash Ecosystem
Other · No listed cash value
Apple Card is built around Daily Cash with its best economics tied to Apple Pay and Apple purchases.
Perk
Apple Card Monthly Installments
Other · No listed cash value
Eligible Apple purchases can be financed through Apple Card Monthly Installments under issuer terms.
Perk
No Fee Structure
Other · No listed cash value
Apple Card is positioned around no annual, late, or foreign transaction fees.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Card B
Capital One Quicksilver Cash Rewards Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Capital One Travel Protections
Price Protection · No listed cash value
Capital One Travel includes booking tools such as price monitoring, price drop protection, price match, and flexible booking features on eligible bookings.
Perk
Capital One Entertainment Access
Other · No listed cash value
Access to eligible entertainment, sports, and dining events through Capital One Entertainment.
Perk
Hertz Five Star Status
Other · No listed cash value
Eligible cardholders can enroll in Hertz Five Star status for added rental benefits.
Verdict
Capital One Quicksilver Cash wins year 1. Apple wins long term.
Winner after year 1
Apple Card
$146 ongoing edge
$583 vs $437
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Apple
Apple Card
Year One
$583
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$583
Annual rewards + counted benefits - fee
Annual Rewards
$583
2.00% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • Stays usable for international purchases.
Watch for
- • There is no meaningful active welcome offer in the current dataset.
Capital One
Capital One Quicksilver Cash Rewards Credit Card
Year One
$637
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$437
Annual rewards + counted benefits - fee
Annual Rewards
$437
1.50% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$500
3 mo window · $167/mo pace · Comfortable
Why it wins
- • Stays usable for international purchases.
Watch for
- • No major red flag surfaced from the current math.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
2%
$5,400
Apple
$108
2.00%
Capital One Quicksilver Cash
$81
1.50%
Groceries
2%
$7,800
Apple
$156
2.00%
Capital One Quicksilver Cash
$117
1.50%
Travel
2%
$3,000
Apple
$60
2.00%
Capital One Quicksilver Cash
$45
1.50%
Gas
2%
$1,920
Apple
$38
2.00%
Capital One Quicksilver Cash
$29
1.50%
General
2%
$11,040
Apple
$221
2.00%
Capital One Quicksilver Cash
$166
1.50%
Total annual spend
$29,160 across this mix
Apple$583
Capital One Quicksilver Cash$437
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Apple Card | Capital One Quicksilver Cash Rewards Credit Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | None | None |
| Rewards | ||
| Other rewards | 3% 3% Daily Cash on Apple purchases and select Apple Card partner merchants. | — |
| Travel rewards | — | 5% Hotels, vacation rentals, rental cars, and activities through Capital One Travel. |
| All rewards | 2% 2% Daily Cash on eligible purchases made with Apple Pay. | 1.5% |
| Offer | ||
| Welcome offer | — | $200 credit Spend $500 in 3 mo |
| Benefits | ||
| Estimated benefits | 4 listed | 3 listed |
| Benefit highlights | Daily Cash Ecosystem · Apple Card Monthly Installments · No Fee Structure · +1 more | Capital One Travel Protections · Capital One Entertainment Access · Hertz Five Star Status |
| Profile | ||
| Credit needed | Good | Good |
| Network | mastercard | — |
| Reward type | Cashback | Cashback |
Costs
Annual fee
Apple Card
Free
Capital One Quicksilver Cash Rewards Credit Card
Free
Foreign transaction fee
Apple Card
None
Capital One Quicksilver Cash Rewards Credit Card
None
Rewards
Other rewards
Apple Card
3%
3% Daily Cash on Apple purchases and select Apple Card partner merchants.
Capital One Quicksilver Cash Rewards Credit Card
—
Travel rewards
Apple Card
—
Capital One Quicksilver Cash Rewards Credit Card
5%
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
All rewards
Apple Card
2%
2% Daily Cash on eligible purchases made with Apple Pay.
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Offer
Welcome offer
Apple Card
—
Capital One Quicksilver Cash Rewards Credit Card
$200 credit
Spend $500 in 3 mo
Benefits
Estimated benefits
Apple Card
4 listed
Capital One Quicksilver Cash Rewards Credit Card
3 listed
Benefit highlights
Apple Card
Daily Cash Ecosystem · Apple Card Monthly Installments · No Fee Structure · +1 more
Capital One Quicksilver Cash Rewards Credit Card
Capital One Travel Protections · Capital One Entertainment Access · Hertz Five Star Status
Profile
Credit needed
Apple Card
Good
Capital One Quicksilver Cash Rewards Credit Card
Good
Network
Apple Card
mastercard
Capital One Quicksilver Cash Rewards Credit Card
—
Reward type
Apple Card
Cashback
Capital One Quicksilver Cash Rewards Credit Card
Cashback