BECU Visa Credit Card vs Capital One QuicksilverOne Cash Rewards Credit Card

Side-by-side comparison of BECU Visa Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	BECU Visa Credit Card	Capital One QuicksilverOne Cash Rewards Credit Card
Issuer	BECU	Capital One
Network	Visa	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$0.00	$39.00
Base Rate	1.50%	1.50%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.5% (base)	1.5% (base)
Hotels via Capital One Travel	1.5% (base)	5.0%
Rental Cars via Capital One Travel	1.5% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	13.24% - 25.24%	29.99% - 29.99%
Cash Advance APR	25.24%	29.99%
Penalty APR	N/A	N/A
Late Fee	$25	$40
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	Secondary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	Extends warranty by 1 year
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard