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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Unlimited Cash Rewards vs Capital One Quicksilver Cash Rewards

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Unlimited Cash Rewards card art
Bank of America Cash Rewards
Bank of America Unlimited Cash Rewards
Bank of America
More Info
Capital One Quicksilver Cash Rewards card art
Capital One
Capital One Quicksilver Cash Rewards
Capital One
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
$500 credit
Spend $5,000 in 3 months
20,000 points
Spend $500 in 3 months
Top Earn Rates
  • All Purchases 1.5x
  • Hotels (Capital One Travel) 5x
  • Vacation Rentals (Capital One Travel) 5x
  • Rental Cars (Capital One Travel) 5x
Reward Type
cashback
cashback
Key Credits
None
None
Transfer Partners
Cash back only
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
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Common Questions: Bank of America Unlimited Cash Rewards vs Capital One Quicksilver Cash Rewards

Is the Bank of America Unlimited Cash Rewards or Capital One Quicksilver Cash Rewards better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Bank of America Unlimited Cash Rewards currently offers $200 signup bonus (spend $5,000 in 3 months). Capital One Quicksilver Cash Rewards offers 20,000 pts signup bonus (spend $500 in 3 months). Capital One Quicksilver Cash Rewards has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Bank of America Unlimited Cash Rewards and the Capital One Quicksilver Cash Rewards?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Unlimited Cash Rewards is from Bank of America and Capital One Quicksilver Cash Rewards is from Capital One, so they're governed by separate bank policies.