Capital One QuicksilverOne vs Ollo Everyday Rewards Mastercard®
Side-by-side comparison
| Capital One QuicksilverOne | Ollo Everyday Rewards Mastercard® | |
|---|---|---|
| Annual fee | $39 | No annual fee |
| Welcome offer | No current offer | None (invitation-based offer) |
| Dining | 1.5x | 1x |
| Groceries | 1.5x | 3x |
| Gas | 1.5x | 3x |
| Travel | 1.5x | 1x |
| Streaming | 1.5x | 1x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $437 | $455 |
| Points type | Pools with Capital One → transferable | Cash back only |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Capital One QuicksilverOne | Ollo Everyday Rewards Mastercard® |
|---|---|---|
| Welcome bonus | None | None (invitation-based offer) |
| To earn it | No minimum spend | No minimum spend |
| Est. first-year value* | $398 | $455 |
| Est. ongoing value / yr* | $398 | $455 |
The Ollo Everyday Rewards Mastercard® wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Capital One QuicksilverOne | Ollo Everyday Rewards Mastercard® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable (paired with a premium card) | Cash back only |
On perks and redemptions, the Capital One QuicksilverOne earns transferable points with a higher redemption ceiling, while the other is capped nearer a flat cent. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Only the Capital One QuicksilverOne earns transferable points. Its Capital One miles move to Air Canada, Avianca LifeMiles, Turkish, British Airways, and Emirates, where a point can be worth several cents on a premium-cabin redemption, far above its cash value. The Ollo Everyday Rewards Mastercard® pays flat cash back, worth about a cent, so its ceiling is nearer a penny per point no matter how you redeem.
The verdict
On a typical year of household spending, the Capital One QuicksilverOne earns about $437 a year in rewards and the Ollo Everyday Rewards Mastercard® about $455, valuing every point at a flat 1 cent. The Capital One QuicksilverOne charges $39, which you clear through its rewards and perks. The Ollo Everyday Rewards Mastercard® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Ollo Everyday Rewards Mastercard® delivers more total value, about $56 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and gas. The bigger difference is the ceiling: the Capital One QuicksilverOne earns points you can move to travel partners for outsized value, while the Ollo Everyday Rewards Mastercard® pays plain cash back. Favor the Capital One QuicksilverOne if you will use travel transfers, the Ollo Everyday Rewards Mastercard® if you want simplicity.
Pick the Capital One QuicksilverOne if your spending leans toward dining, travel, streaming. Pick the Ollo Everyday Rewards Mastercard® if your spending leans toward groceries, gas.