Choosing between the Bank of America Unlimited Cash Rewards (no annual fee) and the Capital One Quicksilver Cash Rewards Credit Card (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 5% via portal. Unlimited 1.5% cash back on all purchases, 5% on Capital One Travel bookings. Earns a solid 1.5% on everything else.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply Now| Feature | Bank of America Unlimited Cash Rewards | Capital One Quicksilver Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | <strong>1.5%</strong> | <strong>1.5%</strong> |
| Travel Rewards | 1.5% | <strong>5%</strong> |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | Unlimited 1.5% cash back on all purchases, 5% on Capital One Travel bookings. |
Capital One Quicksilver Cash Rewards Credit Card wins on travel.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.