Capital One Quick Silver vs Discovery Cashback

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Finding the best reward cards to add to your wallet doesn’t have to be difficult. By knowing the type of spender you are in, you can make it easier to choose Flat Cashback Card or Bonus Category Cashback Card.

Let’s take a look at the fixed price Capital One Quick Silver Cash Rewards Credit Card and spin bonus categories Discover IT® Cashback To see how these are different Types of reward cards Stack each other.

Main details

Capital One Quick Silver vs Discovery Cash Back Highlights

These two popular Cashback Credit Card There are many ways to benefit you. Most of it is centered around your spending habits and whether you prefer a flat rate or spinning category card. If you’re not sure which one you like, use the highlights on the following cards to help you:

Which cards make the most money?

In terms of which cashback cards are making the most, it all comes down to your spending habits and it depends on whether you become hardworking or not. Maximize your spending in bonus categories Discover and cash back. Here’s how you can earn cashback depending on how much you spend on each card:

Examples of Capital One Quick Silver vs Discovery Cashback Expenses

If you make the most of your turnover category spending every quarter and don’t charge anything else to discover your cashback, you can spend $6,000 a year and earn $300 in cashback. Adding cashback matches to that total will earn you $600 in cashback in the first year of cardholding.

But let’s say you spent $6,000 on Capital One Quicksilver instead. If all of that spending was part of the 1.5% cashback category, you’re making $90 in cashback. Adding the welcome bonus will give you a cashback of $290 in your first year. In this example, Discover It Cash Back has obvious advantages. In fact, if you want to win discovery cashback and $300 by the end of the year, you’ll need to spend $20,000 on Quicksilver.

But what if you don’t maximize your spending category throughout the year? Instead, pretend you have a quarterly budget that overlaps with the Discover spin bonus category. This example spending uses the 2024 Discover IT Cash Back calendar.

• Q1 (January to March): Drugstores, restaurants
• Q2 (April to June): Gas stations and EV charging stations, home improvement stores, public transport
• Q3 (July to September): Walmart, grocery store
• Q4 (October to December): Amazon.com, Target

Let’s say your budget looks like this for each quarter.

• $1,000 at a restaurant
• $600 at a gas station
• $1,200 at the grocery store
• $1,000 for gifts and apparel (assuming it’s all spent on Amazon.com or Target)
• Other spending $2,500

Also, in the fourth quarter, we took a year-end holiday to add $1,500 to our hotel stays and car rentals. Here’s how much you earn from your quarterly cashback with Capital One Quicksilver and the cashback you discover.

In this example of spending, Capital One Quicksilver earns slightly more cashback than you actually discover, but only if you use a car rental when booking with Capital One Travel, using Quicksilver’s 5% cashback. And if you add it to your welcome bonus, the cashback you discover will ultimately win.

This example shows that you can earn a substantial amount of cashback if you tend to overlap Discover categories without making the most of your bonus categories per quarter. If you have the opportunity to constantly charge your daily expenses to your Quicksilver card and use it 5% cashback category However, while traveling, you may be able to earn a little more cashback with Quicksilver than you discover.

Why should you get the capital in one quick silver?

Capital One Quicksilver is a powerful flat rate cashback card with a 5% cashback rate bonus for hotels and rental cars booked with Capital One Travel. It also offers a 0% introductory APR promotion, in addition to a very easy welcome bonus to get.

Here are other reasons why you need this card:

Why do you need to discover it?

Especially in the first year of card ownership, cashback discovers that cashback has a high potential for revenue when it comes to cashback. It also offers an introductory 0% APR for both purchases and balance transfers.

Below are some additional reasons you might want to discover cashback for your wallet.

Conclusion

Both of these Cashback Credit Card Offer many perks and perks, except for rewards. The best option for you will depend on your spending habits and how much effort you put into optimizing your cashback.

For Set and Forget crowds, Capital One Quicksilver brings a respectable amount of cashback in its flat construction. However, those set to track the bonus category stand to earn more rewards with discovery IT cashbacks both in the first year of cardholding and afterwards.