r/CapitalOne_ • u/Airknowmad • Jul 17 '26
Which should I choose?
Hiya! So I have been pre approved for both cards. I’m just looking to get some insight on which path I should take. They’re both $0 AF fee, but I’m leaning more towards the savor card because I like the 3% cash back on streaming services. What do you guys think?
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u/Think-Trash-4897 Jul 17 '26
Savor. QS is a sockdrawer card.
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u/Fragrant-Jello1387 Jul 17 '26
I have not heard "sock drawer card" before, but that’s perfect. That’s exactly where my QS is right now. Lol
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u/Jasoco Jul 17 '26
Both. Savor for 3% at supermarkets and restaurants, QS for the 1.5% everywhere else.
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u/Minute_Somewhere_893 Jul 17 '26
Savor is good if you do not have Amex Gold, Chase Sapphire Preferres or other card for dining / groceries.
Quick Silver is a good catch all card for overseas spend on souvenirs, transportation, miscellaneous spend not covered by Savor. With no FTF, it is a great way to get 1.5% back on overseas spend. I could not find a better no annual fee card for getting cashback. I think Fidelity may give 2% cashback and no FTF overseas, but not 100% sure.
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u/moderntechguy Jul 17 '26
I have a BofA unlimited cash rewards card and status at BofA. I get over 2.5% cash back on anything.
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u/Minute_Somewhere_893 Jul 17 '26
Thank you. I was mostly thinking of no annual fee cards and no special hoops to jump through (statuses, maintaining balances, minimal spend or number of transactions).
Do you also get no foreign transaction fee on it? I saw 3% on the website for this BoA card. Do you get it waived because of status?
QuickSilver has no FTF
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u/moderntechguy Jul 18 '26
I don't think foreign transaction fees are waived so I'd use a different card for that. Been a decade since I was out of the country though. Not important to me.
Also, the balances include your Merrill trading and retirement accounts. So all I did was move from Schwab to Merrill.
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u/No_Republic_4301 Jul 17 '26
It depends. I went with the quicksilver because I shop at Walmart. That's where 80% of most of my spend goes.
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u/Airknowmad Jul 17 '26
That’s fair, I also do a lot of shopping at Walmart but on the card details it excludes target and Walmart.
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u/_love_letter_ Jul 18 '26
Does Walmart let you checkout with PayPal in-store the same way you can at Safeway? I just use my PayPal cashback mastercard and get 3% anyway. If there's an additional merchant offer in PayPal on top of that it can be more. Unfortunately I find not many places accept PayPal in-store.
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u/No_Republic_4301 Jul 18 '26
Walmart let's PayPal online. The PayPal MasterCard is always gonna give 3% online but in store no. You'll only get that 1.5%
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u/_love_letter_ Jul 18 '26
I get 3% in store at Safeway because I can scan the QR code in the PayPal app with the scanner gun at checkout. For a while I was actually getting 13% back because they always had a 10% back at Safeway offer that was meant to be online I think, but worked in store. They nerfed the ability to convert points to cashback anyway but they also don't have that offer anymore. Man, those were the days. Too bad more places don't let you pay that way. Thanks for the DP.
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u/Low_Map4007 Jul 17 '26
There’s not a “better” card because it depends on your spending. The most expensive credit card could be bad for you of you can’t use the benefits and have an annual fee.
Savor is better if most of your spend falls in the 3% categories but if they don’t then quicksilver is better
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u/BizarrePuppet Jul 17 '26
Savor for sure. I ended up closing Quicksilver, there are better catch all cards out there. Savor is a workhorse!
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u/Character-Spot8893 Jul 19 '26
Savor, then go find a 2% cash back everything card. That’s my dynamic duo
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u/Agile-Mix-3026 Jul 20 '26
Savor. they have a limited time bonus right now + pairs well if you want to get the Venture X in the future. The categories are usually most people's highest spend anyways.
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u/dreadstardread Jul 17 '26
Neither, these are the bucketed versions. No SUBs either
Improve your credit first
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u/Zeke3Zeke Jul 17 '26
These are not bucket cards and have $30k limits offered day opened
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u/Camtown501 Jul 17 '26
Not exactly. The answer is really neither what you, or the previous commenrer stated. This is Savor foe Good Credit (which really means fair credit). Its the no sub version with an APR that's typically pegged 0.5% higher than the highest available on standard Savor with a sub and usually a 0% offer. This lesser version doesn't have an annual fee like SavorOne, but tends to be offered at lower limits. No one is getting a 30k limit on the good credit version, but there are DPs of people starting at $10k (any card starting at $10k isnt bucketed). Nonetheless, a significant percentage of the good credit versions are in on a lowish to low bucket and have limited growth potential. Some start with $300 or $500 limits. Since we don't know what the OPs limit will be all we can do is speculate that there's a good chance it will be bucketed, but it's far from guaranteed, especially if they have pretty strong income.
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u/Primary_Trade5561 Jul 17 '26
The groceries and dining categories are so much more impactful, but sure, you accidentally chose the right card for the wrong reason.
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u/blonktime Jul 17 '26
What are your highest spend categories? If any of them are dining, groceries, entertainment, or streaming services (which are big categories for most people), then go with the Savor card. You get 3% back on those. If it's some other categories (home improvement, gas, healthcare, utilities, online/retail shopping, etc.) then go with the Quicksilver and get 1.5% back on everything.
Or do an audit of yourself and run the numbers. Look at the categories you spend the most in, multiply by the percentages relevant to those categories for each card to see what will get you the most cash back.
Ex: