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Chase Freedom Flex℠ vs. Capital One® Quicksilver® Cash Rewards Credit Card

Choose between rotating-bonus and flat-rate cash back.

The winner: Chase Freedom Flex℠

Up to 5%

Cash back

  • 5% back in rotating categories on up to $1,500 quarterly, then 1%
  • New rewards on travel, dining and drugstores
  • No annual fee
Apply now
The Chase Freedom Flex℠ and Capital One® Quicksilver® Cash Rewards Credit Card both have $0 annual fees. However, Chase’s card is for those who like variety, offering 5% cash back on the first $1,500 in bonus spending upon activation in different categories each quarter, then 1%. Capital One’s card is the right pick for those who want simple rewards, offering a steady 1.5% cash back on all purchases.

Chase Freedom Flex℠

Chase Freedom Flex℠

Terms apply, see rates & fees

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.7 / 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

$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first year

$200 cash back after spending $500 in the first 3 months

Rewards
Rewards

5% cash back on up to $1,500 combined in quarterly categories you activate, 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases

1.5% cash back on all purchases

Purchase APR
Purchase APR

0% intro APR for 15 months, and then 14.99% to 23.74% variable

0% intro APR for 15 months, and then 15.49% to 25.49% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR 14.99% to 23.74% variable 15.49% to 25.49% variable
Cash advance
Cash advance

APR: 24.99% variable

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

APR: 25.49% variable

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

Foreign transaction fee
Foreign transaction fee 3% of each transaction None
Late payment fee
Late payment fee Up to $39 Up to $40
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
Learn more
Learn more

Read review

If you like to keep things fresh with rotating rewards categories, the Chase Freedom Flex℠ 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 5% cash back. Go with the Capital One® Quicksilver® Cash Rewards Credit Card 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 Flex℠ vs. Capital One® Quicksilver® Cash Rewards Credit Card

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first year
5% cash back on up to $1,500 combined in quarterly categories you activate, 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Capital One® Quicksilver® Cash Rewards Credit Card
$200 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
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