Discover it Cash Back vs Capital One Quicksilver Cash Rewards: which fits your plan?
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Discover it Cash Back and Capital One Quicksilver Cash Rewards tie at $200 in estimated first-year value after fees using cash redemption. Discover it Cash Back and Capital One Quicksilver Cash Rewards have the same annual fee of $0. No issuer rule links Discover it Cash Back and Capital One Quicksilver Cash Rewards in the recorded offer terms; the order depends on your own recent applications.
We compare conditional value after fees; compensation never changes rankings.
How we rank| Feature | Discover it Cash Back | Capital One Quicksilver Cash Rewards |
|---|---|---|
| Issuer | Discover | Capital One |
| Annual fee | $0 | $0 |
| Welcome offer, terms apply | $200 statement credit after $500/3 months + unlimited first-year Cashback Match | $200 cash bonus |
| Required spend | $500 in 3 months | $500 in 3 months |
| First-year value after fees, estimated (cash) | $200 | $200 |
| Offer last checked | 2026-10-06 | 2026-10-06 |
Can you get both Discover it Cash Back and Capital One Quicksilver Cash Rewards, and in what order?
Application windows and account limits
Discover it Cash Back: The latest accessible Discover terms state a two-account maximum. Existing Discover accounts count; current offer terms should be checked after the Capital One transition. The latest accessible Discover terms require your first account to be open more than 12 months before a second card. The exact opening date matters. Discover is now part of Capital One. A Capital One bank exclusion includes current Discover offers; some approval rules may still differ by brand and offer.
Capital One Quicksilver Cash Rewards: Some Capital One consumer offers may be unavailable after a recent approval or two applications within 30 days. Check the exact offer.
Capital One Quicksilver Cash Rewards: Applicants have reported approvals less than six months apart. Leaving more time may help, but Capital One does not publish a universal six-month ban.
Welcome offers and prior-card history
Capital One's terms say the Capital One Quicksilver Cash Rewards welcome offer is unavailable if you received its welcome bonus within the past 48 months.
Effect on Chase 5/24
Discover it Cash Back is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Capital One Quicksilver Cash Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
No issuer rule links Discover it Cash Back and Capital One Quicksilver Cash Rewards in the recorded offer terms; the order depends on your own recent applications.
No linking rule recorded
Discover it Cash Back and Capital One Quicksilver Cash Rewards: current offers
Discover it Cash Back
Welcome offer: $200 statement credit after $500/3 months + unlimited first-year Cashback Match. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
Last checked: .
Capital One Quicksilver Cash Rewards
Welcome offer: $200 cash bonus. Annual fee: $0. Terms apply.
First-year value after fees (cash redemption), estimated: $200.
Last checked: .
Can I get both Discover it Cash Back and the Capital One Quicksilver Cash Rewards welcome offers?
Discover it Cash Back and Capital One Quicksilver Cash Rewards have product-specific welcome-offer checks for previous cards or bonuses. Passing an application timing check does not establish welcome-offer eligibility.
Which should come first: Discover it Cash Back or Capital One Quicksilver Cash Rewards?
No directional offer rule gives Discover it Cash Back and Capital One Quicksilver Cash Rewards a preferred order. Start with your recent Discover and Capital One applications and each product's current terms.
How would Discover it Cash Back and Capital One Quicksilver Cash Rewards affect my Chase count?
Opening Discover it Cash Back or Capital One Quicksilver Cash Rewards increases the personal-account count used for Chase's reported 5/24 rule for 24 months. Closing a recent account does not remove that account from the count.