Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bank of America® Unlimited Cash Rewards credit card (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 NowUnlimited 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 own site 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 | 1.5% | 1.5% |
| Rates with conditions not counted in the rows above |
None |
5% through Capital One Travel Earns 5% only on hotels and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns the flat 1.5%. |
| 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. |
These cards are closely matched across categories, so the winner comes down to your specific spending mix.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.