Head-to-head · 🇺🇸 United States
Capital One Quicksilver vs Apple Card
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Quicksilver
VISA
Wins 1 of 10
US
Goldman Sachs / Apple
Apple Card
Wins 2 of 10
Verdict
Apple Card wins 2-1. Apple ecosystem users — daily cashback, instant in Wallet. Capital One Quicksilver is still the right call if no-fee, no-thinking 1.5% on everything..
Side-by-side
| Criterion | Capital One Quicksilver | Apple Card |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1.5% (general) | 3% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $200 cashback after $500 in first 3 months | = No welcome bonus — daily cashback model |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 670 | 660 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Capital One Quicksilver
- 1.5% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No foreign transaction fees
- No annual fee
- 0% intro APR for 15 months
Apple Card
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
FAQ
›Capital One Quicksilver vs Apple Card: which is better?
Apple Card wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Quicksilver for its best categories, Apple Card for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Quicksilver: $200 cashback after $500 in first 3 months. Apple Card: No welcome bonus — daily cashback model.