First-year winner
Capital One Quicksilver Cash Rewards Credit Card
$346 Year 1 edge
$637 vs $292
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
Discover it Cash Back
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Free Social Security Number Alerts
Other · No listed cash value
Discover can monitor for certain Social Security number activity and alert eligible cardholders when it finds matches.
Perk
$0 Fraud Liability Guarantee
Other · No listed cash value
Discover states you are not responsible for unauthorized purchases on your card account.
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 and long term.
Winner after year 1
Capital One Quicksilver Cash Rewards Credit Card
$146 ongoing edge
$437 vs $292
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Discover
Discover it Cash Back
Year One
$292
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$292
Annual rewards + counted benefits - fee
Annual Rewards
$292
1.00% 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
1%
$5,400
Discover it Cash Back
$54
1.00%
Capital One Quicksilver Cash
$81
1.50%
Groceries
1%
$7,800
Discover it Cash Back
$78
1.00%
Capital One Quicksilver Cash
$117
1.50%
Travel
1%
$3,000
Discover it Cash Back
$30
1.00%
Capital One Quicksilver Cash
$45
1.50%
Gas
1%
$1,920
Discover it Cash Back
$19
1.00%
Capital One Quicksilver Cash
$29
1.50%
General
1%
$11,040
Discover it Cash Back
$110
1.00%
Capital One Quicksilver Cash
$166
1.50%
Total annual spend
$29,160 across this mix
Discover it Cash Back$292
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 | Discover it Cash Back | Capital One Quicksilver Cash Rewards Credit Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | None | None |
| Rewards | ||
| Other rewards | 5% Rotating quarterly categories, up to quarterly maximum, activation required. | — |
| Travel rewards | — | 5% Hotels, vacation rentals, rental cars, and activities through Capital One Travel. |
| All rewards | 1% | 1.5% |
| Offer | ||
| Welcome offer | Unlimited Cashback Match Discover automatically matches all cash back earned at the end of your first year. | $200 credit Spend $500 in 3 mo |
| Benefits | ||
| Estimated benefits | 2 listed | 3 listed |
| Benefit highlights | Free Social Security Number Alerts · $0 Fraud Liability Guarantee | Capital One Travel Protections · Capital One Entertainment Access · Hertz Five Star Status |
| Profile | ||
| Credit needed | Good | Good |
| Network | discover | — |
| Reward type | Cashback | Cashback |
Costs
Annual fee
Discover it Cash Back
Free
Capital One Quicksilver Cash Rewards Credit Card
Free
Foreign transaction fee
Discover it Cash Back
None
Capital One Quicksilver Cash Rewards Credit Card
None
Rewards
Other rewards
Discover it Cash Back
5%
Rotating quarterly categories, up to quarterly maximum, activation required.
Capital One Quicksilver Cash Rewards Credit Card
—
Travel rewards
Discover it Cash Back
—
Capital One Quicksilver Cash Rewards Credit Card
5%
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
All rewards
Discover it Cash Back
1%
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Offer
Welcome offer
Discover it Cash Back
Unlimited Cashback Match
Discover automatically matches all cash back earned at the end of your first year.
Capital One Quicksilver Cash Rewards Credit Card
$200 credit
Spend $500 in 3 mo
Benefits
Estimated benefits
Discover it Cash Back
2 listed
Capital One Quicksilver Cash Rewards Credit Card
3 listed
Benefit highlights
Discover it Cash Back
Free Social Security Number Alerts · $0 Fraud Liability Guarantee
Capital One Quicksilver Cash Rewards Credit Card
Capital One Travel Protections · Capital One Entertainment Access · Hertz Five Star Status
Profile
Credit needed
Discover it Cash Back
Good
Capital One Quicksilver Cash Rewards Credit Card
Good
Network
Discover it Cash Back
discover
Capital One Quicksilver Cash Rewards Credit Card
—
Reward type
Discover it Cash Back
Cashback
Capital One Quicksilver Cash Rewards Credit Card
Cashback