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
SoFi Unlimited 2% Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
SoFi Ecosystem Redemptions
Other · No listed cash value
The card is designed to work best when rewards flow back into the wider SoFi ecosystem for saving, investing, or debt payoff.
Perk
Flat-Rate Simplicity
Other · No listed cash value
The card is positioned as an uncomplicated catch-all card for users already active with SoFi.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
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. SoFi Unlimited 2% wins long term.
Winner after year 1
SoFi Unlimited 2% Credit 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.
SoFi
SoFi Unlimited 2% Credit 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
SoFi Unlimited 2%
$108
2.00%
Capital One Quicksilver Cash
$81
1.50%
Groceries
2%
$7,800
SoFi Unlimited 2%
$156
2.00%
Capital One Quicksilver Cash
$117
1.50%
Travel
2%
$3,000
SoFi Unlimited 2%
$60
2.00%
Capital One Quicksilver Cash
$45
1.50%
Gas
2%
$1,920
SoFi Unlimited 2%
$38
2.00%
Capital One Quicksilver Cash
$29
1.50%
General
2%
$11,040
SoFi Unlimited 2%
$221
2.00%
Capital One Quicksilver Cash
$166
1.50%
Total annual spend
$29,160 across this mix
SoFi Unlimited 2%$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 | SoFi Unlimited 2% Credit Card | Capital One Quicksilver Cash Rewards Credit Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | None | None |
| Rewards | ||
| Travel rewards | — | 5% Hotels, vacation rentals, rental cars, and activities through Capital One Travel. |
| All rewards | 2% | 1.5% |
| Offer | ||
| Welcome offer | — | $200 credit Spend $500 in 3 mo |
| Benefits | ||
| Estimated benefits | 4 listed | 3 listed |
| Benefit highlights | SoFi Ecosystem Redemptions · Flat-Rate Simplicity · No Annual Fee · +1 more | Capital One Travel Protections · Capital One Entertainment Access · Hertz Five Star Status |
| Profile | ||
| Credit needed | Good | Good |
| Network | — | — |
| Reward type | Cashback | Cashback |
Costs
Annual fee
SoFi Unlimited 2% Credit Card
Free
Capital One Quicksilver Cash Rewards Credit Card
Free
Foreign transaction fee
SoFi Unlimited 2% Credit Card
None
Capital One Quicksilver Cash Rewards Credit Card
None
Rewards
Travel rewards
SoFi Unlimited 2% Credit Card
—
Capital One Quicksilver Cash Rewards Credit Card
5%
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
All rewards
SoFi Unlimited 2% Credit Card
2%
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Offer
Welcome offer
SoFi Unlimited 2% Credit Card
—
Capital One Quicksilver Cash Rewards Credit Card
$200 credit
Spend $500 in 3 mo
Benefits
Estimated benefits
SoFi Unlimited 2% Credit Card
4 listed
Capital One Quicksilver Cash Rewards Credit Card
3 listed
Benefit highlights
SoFi Unlimited 2% Credit Card
SoFi Ecosystem Redemptions · Flat-Rate Simplicity · No Annual Fee · +1 more
Capital One Quicksilver Cash Rewards Credit Card
Capital One Travel Protections · Capital One Entertainment Access · Hertz Five Star Status
Profile
Credit needed
SoFi Unlimited 2% Credit Card
Good
Capital One Quicksilver Cash Rewards Credit Card
Good
Network
SoFi Unlimited 2% Credit Card
—
Capital One Quicksilver Cash Rewards Credit Card
—
Reward type
SoFi Unlimited 2% Credit Card
Cashback
Capital One Quicksilver Cash Rewards Credit Card
Cashback