Chase Freedom® credit card vs. Quicksilver® from Capital One® | finder.com

Chase Freedom® vs. Quicksilver® from Capital One®

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Choose between flat and rotating cash back.

The Chase Freedom® and Quicksilver® from Capital One® are two great cards that are evenly matched. Both offer strong signup bonuses and intro APRs on purchases and balance transfers.

How, then, do you pick the winner? Just consider whether you want flat or rotating rewards.

Chase Freedom®

Chase Freedom®

Quicksilver® from Capital One®

Quicksilver® from Capital One®

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★★★★★

4.4 / 5.0

★★★★★

4.2 / 5.0
Best for
Best for
  • Long intro APR period and cash back in rotating categories
  • Easy-to-earn signup bonus and flat cash back on all purchases
Welcome offer
Welcome offer $150 cash back after spending $500 on purchases in the first 3 months Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
Rewards
Rewards

5% cash back in quarterly rotating categories on up to $1,500 in combined purchases for each quarter you activate, then 1% after that and on all other purchases

Earn 1.5% cash back on all purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

0% intro APR for 15 months, and then 17.24% to 25.99% variable

0% intro APR for 15 months, and then 15.24%, 21.24% or 25.24% variable

Annual fee
Annual fee $0 $0
Balance transfers
Balance transfers APR: 17.24% to 25.99% variable

Fee: $5 or 3% of the transaction, whichever is greater

APR: 0% intro APR for 15 months, then 15.24%, 21.24% or 25.24% variable

Fee: 3% of the transaction

Cash advance
Cash advance

APR: 27.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 3% of the transaction, whichever is greater

Late payment fee
Late payment fee Up to $38 Up to $38
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 21 days 25 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Which card should you choose?

Chase Freedom®

Chase Freedom®

  • $150 signup bonus
  • Accelerated cash back in quarterly rotating categories and flat cash back on all other purchases
  • Intro APR on purchases and balance transfers

If you like to keep things fresh with rotating rewards categories, the Chase Freedom® could be the right pick. You’ll earn 5% cash back on up to $1,500 in combined purchases in quarterly rotating categories for each quarter you activate, then 1%. These categories might include gas, grocery stores and Internet services. On all other purchases, you’ll earn 1% cash back.

Quicksilver® from Capital One®

Quicksilver® from Capital One®

  • No annual fee
  • $150 signup bonus when you spend $500 on purchases in the first 3 months
  • 1.5% cash back on all purchases
  • Long intro APR of 15 months on purchases and balance transfers

Go with the Quicksilver® from Capital One® if you don’t want to worry about rotating rewards categories. You’ll earn 1.5% cash back on all purchases — a simple and effective rewards rate.

What’s next?

These products are formidable contenders, and one isn’t necessarily outright better than the other. One of the best ways to choose between them is to consider whether you want to put in the extra effort to maximize your rewards in rotating categories or simply enjoy flat cash back at a lower rate.

If neither product works for you, check out a few excellent cashback alternatives below.
Compare Chase Freedom Unlimited® vs. Quicksilver® from Capital One®

Compare cash back credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
15.24%, 19.24% or 25.24% variable
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
11.99% to 17.99% variable
0% for the first 12 months (then 11.99% to 17.99% variable)
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
$0 to $99
20.24% to 26.24% variable

N/A

Get 1% cash back rewards on eligible purchases.

Compare up to 4 providers

Compare more cashback credit cards

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