Capital One Quicksilver vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Quicksilver wins 2-1. No-fee, no-thinking 1.5% on everything. US Bank Cash+ is still the right call if 5% on 2 chosen categories + 2% on 1 chosen, fully customizable..
Side-by-side
| Criterion | Capital One Quicksilver | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1.5% (general) | 5% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = $200 cashback after $500 in first 3 months | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = None stated | = None stated |
| Min credit score | = 670 | = 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Capital One Quicksilver
- 1.5% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No foreign transaction fees
- No annual fee
- 0% intro APR for 15 months
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Capital One Quicksilver vs US Bank Cash+: which is better?
Capital One Quicksilver wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Capital One Quicksilver for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Quicksilver: $200 cashback after $500 in first 3 months. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.