Discover it® Cash Back vs. Capital One QuicksilverOne
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
Full review →
Capital One QuicksilverOne
Capital One
4.4
1.5% cash back on every purchase. No annual fee.
Full review →WealthSpott Verdict
Discover it® Cash Back and Capital One QuicksilverOne are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Discover it® Cash
Capital One QuicksilverOne
Annual Fee
$0
$0
Sign-up Bonus
Cashback Match
None
Rewards Rate
1%-5%
1.5%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 15 months
0% for 15 months
Regular APR
18.24%-28.24% Variable Best
19.99%-29.99% Variable
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
580-740
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
Capital One QuicksilverOne
Pros
- Simple 1.5% on everything
- No foreign transaction fee
Cons
- No sign-up bonus
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