Which card earns more rewards, the Capital One Quicksilver Cash Rewards Credit Card or One Key+ Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Which card earns more rewards, the Capital One Quicksilver Cash Rewards Credit Card or One Key+ Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Which card earns more rewards, the Capital One Quicksilver Cash Rewards Credit Card or One Key+ Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Capital One Quicksilver Cash Rewards Credit Card vs One Key+ Card

Both cards cost $0/yr. The Capital One Quicksilver Cash Rewards Credit Card is better for travel, while the One Key+ Card wins on expedia hotels vrbo. Here's how they compare.

Capital One Quicksilver Cash Rewards Credit Card

Capital One

No image

One Key+ Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

25,000 Misc Travel

Earn Rates

Category	Capital One Quicksilver Cash Rewards Credit Card	One Key+ Card
Entertainment	5X	1X
Dining	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Hotelscom	1X	3X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee keeps costs at zero
+Unlimited 1.5% cash back on all purchases with no caps or rotating categories
+No foreign transaction fees saves 3% on international purchases
+5% back on hotels booked through Capital One Travel portal
+Low $500 spend requirement for welcome bonus is easy to meet

+$100 annual OneKeyCash renewal credit offsets the $0 annual fee (net positive value)
+Strong 3% earning on dining, groceries, gas, and Expedia Group bookings
+Solid 2% base earning on all other purchases
+No foreign transaction fees
+Automatic Gold status with One Key program

Cons

−1.5% flat rate is lower than category-specific cards offer in their bonus categories
No transfer partners for airline or hotel loyalty programs

Category-by-Category Winner

The One Key+ Card wins in 4 of 5 categories. The Capital One Quicksilver Cash Rewards Credit Card leads in 1.

Entertainment

Capital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X

Gas Stations

One Key+ Card earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 1X

Dining

One Key+ Card earns 3X vs 1X

Hotelscom

One Key+ Card earns 3X vs 1X

Which Card Is Right for You?

Get the One Key+ Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Capital One Quicksilver Cash Rewards Credit Card or One Key+ Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Capital One Quicksilver Cash Rewards Credit Card or the One Key+ Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Green vs Capital One Quicksilver Bank Of America Customized Cash vs Capital One Quicksilver Bank Of America Unlimited Cash vs Capital One Quicksilver Bilt Blue vs Capital One Quicksilver

Explore More

Capital One Quicksilver Cash Rewards Credit Card — Full Review All Capital One Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Wells Fargo cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Capital One Quicksilver Cash Rewards Credit Card vs One Key+ Card

Both cards cost $0/yr. The Capital One Quicksilver Cash Rewards Credit Card is better for travel, while the One Key+ Card wins on expedia hotels vrbo. Here's how they compare.

Capital One Quicksilver Cash Rewards Credit Card

Capital One

No image

One Key+ Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

25,000 Misc Travel

Earn Rates

Category	Capital One Quicksilver Cash Rewards Credit Card	One Key+ Card
Entertainment	5X	1X
Dining	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Hotelscom	1X	3X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee keeps costs at zero
+Unlimited 1.5% cash back on all purchases with no caps or rotating categories
+No foreign transaction fees saves 3% on international purchases
+5% back on hotels booked through Capital One Travel portal
+Low $500 spend requirement for welcome bonus is easy to meet

+$100 annual OneKeyCash renewal credit offsets the $0 annual fee (net positive value)
+Strong 3% earning on dining, groceries, gas, and Expedia Group bookings
+Solid 2% base earning on all other purchases
+No foreign transaction fees
+Automatic Gold status with One Key program

Cons

−1.5% flat rate is lower than category-specific cards offer in their bonus categories
No transfer partners for airline or hotel loyalty programs

Category-by-Category Winner

The One Key+ Card wins in 4 of 5 categories. The Capital One Quicksilver Cash Rewards Credit Card leads in 1.

Entertainment

Capital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X

Gas Stations

One Key+ Card earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 1X

Dining

One Key+ Card earns 3X vs 1X

Hotelscom

One Key+ Card earns 3X vs 1X

Which Card Is Right for You?

Get the One Key+ Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Capital One Quicksilver Cash Rewards Credit Card or One Key+ Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Capital One Quicksilver Cash Rewards Credit Card or the One Key+ Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Green vs Capital One Quicksilver Bank Of America Customized Cash vs Capital One Quicksilver Bank Of America Unlimited Cash vs Capital One Quicksilver Bilt Blue vs Capital One Quicksilver

Explore More

Capital One Quicksilver Cash Rewards Credit Card — Full Review All Capital One Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Wells Fargo cards

Capital One Quicksilver Cash Rewards Credit Card vs One Key+ Card

Both cards cost $0/yr. The Capital One Quicksilver Cash Rewards Credit Card is better for travel, while the One Key+ Card wins on expedia hotels vrbo. Here's how they compare.

Capital One Quicksilver Cash Rewards Credit Card

Capital One

No image

One Key+ Card

Wells Fargo

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

25,000 Misc Travel

Earn Rates

Category	Capital One Quicksilver Cash Rewards Credit Card	One Key+ Card
Entertainment	5X	1X
Dining	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Hotelscom	1X	3X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee keeps costs at zero
+Unlimited 1.5% cash back on all purchases with no caps or rotating categories
+No foreign transaction fees saves 3% on international purchases
+5% back on hotels booked through Capital One Travel portal
+Low $500 spend requirement for welcome bonus is easy to meet

+$100 annual OneKeyCash renewal credit offsets the $0 annual fee (net positive value)
+Strong 3% earning on dining, groceries, gas, and Expedia Group bookings
+Solid 2% base earning on all other purchases
+No foreign transaction fees
+Automatic Gold status with One Key program

Cons

−1.5% flat rate is lower than category-specific cards offer in their bonus categories
No transfer partners for airline or hotel loyalty programs

Category-by-Category Winner

The One Key+ Card wins in 4 of 5 categories. The Capital One Quicksilver Cash Rewards Credit Card leads in 1.

Entertainment

Capital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X

Gas Stations

One Key+ Card earns 3X vs 1X

Grocery Stores

One Key+ Card earns 3X vs 1X

Dining

One Key+ Card earns 3X vs 1X

Hotelscom

One Key+ Card earns 3X vs 1X

Which Card Is Right for You?

Get the One Key+ Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Capital One Quicksilver Cash Rewards Credit Card or One Key+ Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Capital One Quicksilver Cash Rewards Credit Card or the One Key+ Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Green vs Capital One Quicksilver Bank Of America Customized Cash vs Capital One Quicksilver Bank Of America Unlimited Cash vs Capital One Quicksilver Bilt Blue vs Capital One Quicksilver

Explore More

Capital One Quicksilver Cash Rewards Credit Card — Full Review All Capital One Cards

One Key+ Card — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Wells Fargo cards