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Mr. Loonie

Comparing 2 cards

Quicksilver World Elite Mastercard vs Quicksilver World Mastercard

At typical spending, both cards are worth about the same in year one and about the same every year after.

Worked out from each card’s fees, earn rates and welcome offer. How we work it out

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400

Capital One

Quicksilver World Elite Mastercard®

Remove Quicksilver World Elite Mastercard

Capital One

Quicksilver World Mastercard®

Remove Quicksilver World Mastercard
What it’s worth to you
Better: $657
Year one
Better: Every year after $657

Cash back, counted at face value. Why we value Quicksilver World Elite Mastercard this way

Better: $657
Year one
Better: Every year after $657

Cash back, counted at face value. Why we value Quicksilver World Mastercard this way

Apply now with Capital One (opens in a new tab)
Apply now with Capital One (opens in a new tab)
We may earn a fee when you apply through these links. It never changes the numbers.

Lower is better here.

Annual fee
$0
$0
Foreign currency fee On purchases in another currency
0%
0%
Interest on purchases
Better: 20.9%
21.9%
Interest on cash advances
Better: 20.9%
21.9%
Source
capitalone.caChecked Nov 8, 2026
capitalone.caChecked Nov 8, 2026

Typical spending, $2,500 a month. Bigger is better.

Groceries $9,600 a year
Better: $288 3% back
Better: $288 3% back
Restaurants $3,000 a year
Better: $30 1% back (base rate)
Better: $30 1% back (base rate)
Gas $3,000 a year
Better: $90 3% back
Better: $90 3% back
Recurring bills $3,000 a year
Better: $30 1% back (base rate)
Better: $30 1% back (base rate)
Travel $1,800 a year
Better: $18 1% back (base rate)
Better: $18 1% back (base rate)
Everything else (base rate) $7,800 a year
Better: $78 1% back
Better: $78 1% back
Foreign currency $1,800 a year
Better: $18 1% back (base rate)
Better: $18 1% back (base rate)
Total earned Before fees and the welcome offer
Better: $552
Better: $552
Foreign currency fee On the budget’s foreign spending. * Fee not listed, counted at the usual rate
Better: $0
Better: $0
Perks you’d use Lounge visits and cover, at what they cost on their own
Better: $105
Better: $105
Limits
None listed
None listed
Source
capitalone.caChecked Nov 8, 2026
capitalone.caChecked Nov 8, 2026

Car rental damage
Included
Included
Extended warranty
Included
Included
Purchase protection
Included
Included
Price protection
Included
Included
Travel accident
Included
Included
Flight delay
Not listed
Included
Baggage delay
Not listed
Included
Lost baggage
Not listed
Included

Personal income Minimum the bank lists
$80,000 a year
Better: $50,000 a year
Household income Or this, instead of personal
$150,000 a year
$80,000 a year
Network
Mastercard
Mastercard
Source
capitalone.caChecked Nov 8, 2026
capitalone.caChecked Nov 8, 2026

Mr. Loonie’s tip Look at every year after before year one. A big welcome offer pays once; the earn rates pay every month you keep the card.

Questions

How do you work out year one?

We add what each card earns at your spending, plus the part of the welcome offer you’d get, then take off the first year’s annual fee. Every year after leaves out the offer and uses the regular fee.

Can I compare more than two cards?

Yes, up to four. Tap Add a card above the table, or + Compare on any card page.

Do banks pay to appear here?

No. You pick the cards and the math decides the numbers. We may earn a fee when you apply through some links. That never changes a number.

Year one adds what each card earns at the spending you picked, plus the part of the welcome offer that spending reaches, then takes off the first year’s fee. Every year after leaves out the offer and uses the regular fee. Points are counted at the value shown under each card.

Sources, checked by us:

  • Quicksilver World Elite Mastercard: capitalone.ca, checked Nov 8, 2026
  • Quicksilver World Mastercard: capitalone.ca, checked Nov 8, 2026

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.

Spot something wrong? We’ll check it with the bank. Suggest a correction

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