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Capital One QuicksilverOne Cash Rewards vs Southwest Rapid Rewards Plus
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One QuicksilverOne Cash RewardsCapital One | Southwest Rapid Rewards PlusChase |
|---|---|---|
| Rating | 3.8/5 | 4.2/5 |
| Annual Fee | $39 | $69 |
| APR | 30.49% | 19.49% - 27.99% |
| Signup Bonus | None | 40,000 points plus Companion Pass after spending $5,000 in 3 months |
| Rewards Rate | 1.5% cash back on every purchase | 2X on Southwest purchases, Rapid Rewards hotel/car partners, and local transit & commuting, 1X on everything else |
| Credit Score | fair | good |
| Pros | 1.5% cash back on everything — rare for a fair-credit card No foreign transaction fees See if you're pre-approved with no credit impact | Companion Pass with signup bonus — a friend flies free on every trip Low $69 annual fee for an airline card 25% back on in-flight purchases and 2 free checked bags (Southwest standard) |
| Cons | $39 annual fee High 30.49% APR No signup bonus | Companion Pass from signup is limited-time offer Southwest flies domestically only (no international routes) 2X earn rate limited to Southwest and partner purchases |
| View Details → | View Details → |
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Verdict
Our Pick: Southwest Rapid Rewards Plus
With a 4.2/5 rating, the Southwest Rapid Rewards Plus edges out the Capital One QuicksilverOne Cash Rewards (3.8/5). At $69/yr, the value proposition is strong. The Southwest Plus is the entry point to the Southwest ecosystem. The Companion Pass promotion alone can save hundreds — a friend flies free on every booking for the rest of the qualifying year plus the next.