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Discover it® Cash Back vs. Capital One® Quicksilver® Cash Rewards Credit Card

Two excellent cashback credit cards with no annual fee.

Updated

Fact checked

Both cards come with no annual fee and let you earn cash back on your purchases. The Discover it® Cash Back lets you earn a generous cashback rate on rotating categories each quarter, while the Capital One® Quicksilver® Cash Rewards Credit Card lets you earn unlimited cash back on all purchases.

Find out the detailed features of both cards in the table below.

Discover it® Cash Back

Discover it® Cash Back

Rates & Fees

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.8 / 5.0

★★★★★

4.2 / 5.0
Best for
Best for
  • Rotating cash back categories with no annual fee
  • Easy-to-earn signup bonus and flat cash back on all purchases
Welcome offer
Welcome offer

Discover will match cash back earned at the end of your first card year

$150 cash back after spending $500 in the first 3 months

Rewards
Rewards

5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

1.5% cash back on all purchases

Purchase APR
Purchase APR

0% intro APR for 14 months, and then 11.99% to 22.99% variable

0% intro APR for 15 months, and then 15.49%, 21.49% or 25.49% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 14 months, then 11.99% to 22.99% variable

15.49% to 25.49% variable

Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.49% variable

Fee: $10 or 3% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $39
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Discover it® Cash Back

Discover it® Cash Back

  • No annual fee
  • Excellent rewards in rotating categories
  • Solid intro APR on purchases and balance transfers
  • Cashback Match on all rewards earned during the first card year

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • No annual fee
  • $150 cash bonus when you spend $500 on purchases in the first 3 months
  • 1.5% cash back on all purchases
  • Long intro APR for purchases

Compare Capital One credit cards

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