Capital One Savor vs. Quicksilver: Dining Bonus vs. Flat Rate
Card data current as of July 2026.
Neither card carries an annual fee, so this is a pure earn-rate decision. Savor's 3x on dining and groceries outearns Quicksilver's flat 1.5% once dining and grocery spend are meaningful — our model crosses at roughly $933/yr in grocery spend alone (holding dining at the persona default). On travel and gas, Quicksilver's flat rate tends to win instead, since Savor only earns its base 1x there.
Who wins for your spending?
Defaults to a representative household budget — edit any field to match your own; the numbers below update live.
Savor
AheadNo annual fee
$682/yr net
Quicksilver
No annual fee
$577/yr net
Savor nets +$105/yr more on these numbers, before credits.
Your personal crossover
- Quicksilver wins while your groceries spend stays under ~$933/yr; above that, Savor takes over — holding your other numbers fixed at what's entered above.
- Savor wins while your travel spend stays under ~$28,200/yr; above that, Quicksilver takes over — holding your other numbers fixed at what's entered above.
- Savor wins while your gas spend stays under ~$24,200/yr; above that, Quicksilver takes over — holding your other numbers fixed at what's entered above.
- Savor wins while your transit spend stays under ~$22,700/yr; above that, Quicksilver takes over — holding your other numbers fixed at what's entered above.
- Savor wins while your everything else spend stays under ~$33,200/yr; above that, Quicksilver takes over — holding your other numbers fixed at what's entered above.
Category by category, on our representative persona
| Category | Savor | Quicksilver | Winner |
|---|---|---|---|
| Groceries | $240/yr | $120/yr | Savor |
| Dining | $180/yr | $90/yr | Savor |
| Travel | $70/yr | $105/yr | Quicksilver |
| Gas | $30/yr | $45/yr | Quicksilver |
| Streaming | $27/yr | $14/yr | Savor |
| Transit | $15/yr | $23/yr | Quicksilver |
| Everything Else | $120/yr | $180/yr | Quicksilver |
| Total (before fee) | $682/yr | $577/yr |
Fee & credits
Savor
Quicksilver
The category table above is earn-only. The calculator's “after your credits” verdict folds in the credit amounts you set — seeded to a conservative estimate, never full face, since most people don't use every credit. For a full per-credit breakdown of Savor, see the worth-it calculator.
How we calculate this: each category is valued at its best-case bonus rate using conservative, program-specific point values (spend above a bonus cap is not counted; rotating quarterly bonuses and issuer status tiers are excluded). This page scopes two cards and one spend vector — it doesn't allocate spend across your whole wallet. These are estimates, not offers — always confirm current terms with the issuer. Read our full methodology ›
Frequently asked questions
- Which card earns more overall?
- For our representative household (dining- and grocery-heavy), Savor nets about $106/yr more. Quicksilver’s flat 1.5% can pull ahead for a household that spends heavily on travel or gas and lightly on dining and groceries.
- Does Savor earn its 3x bonus on travel or gas?
- No — Savor’s bonus is scoped to dining, entertainment, and groceries (streaming too); travel and gas earn its 1x base rate, where Quicksilver’s flat 1.5% wins.
- Is there any annual fee to weigh here?
- No — both cards are no-fee, so the entire comparison comes down to where you actually spend, with no fee to offset.
See the full ranking for these categories
More head-to-head comparisons
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