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

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

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The Chase Freedom® and Capital One® Quicksilver® Cash Rewards Credit Card 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®

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

finder.com's rating
finder.com's rating

★★★★★

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

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

$150 cash back after spending $500 in the first 3 months

Rewards
Rewards

5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

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 16.99% to 25.74% variable

0% intro APR for 15 months, and then 16.24%, 22.24% or 26.24% variable

Annual fee
Annual fee $0 $0
Balance transfers
Balance transfers

APR: 0% intro APR for 15 months, then 16.99% to 25.74% variable

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

APR: 0% intro APR for 15 months, then 16.24% to 26.24% variable

Fee: 3% of the transaction

Cash advance
Cash advance

APR: 26.99% variable

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

APR: 26.24% 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 $39
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

Read review

Which card should you choose?

Chase Freedom®

Chase Freedom®

  • Easy-to-earn cash signup bonus
  • Accelerated cash back in quarterly rotating categories and flat cash back on all other purchases
  • Intro APR on purchases and balance transfers

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • No annual fee
  • $150 cash bonus when you spend $500 on purchases in the first 3 months
  • 1.5% cash back on all purchases
  • Long intro APR for 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. 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 Unlimited® vs. Capital One® Quicksilver® Cash Rewards Credit Card

Compare cash back credit cards

Name Product Filter values Rewards Purchase APR Annual fee
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% intro for the first 12 months (then 14.99% to 24.99% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
15.74% to 25.24% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.74% to 25.74% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
14.99%, 19.99% or 24.99% variable
$0
Earn $200 cash back when you spend $500 within 90 days after account opening.

Compare up to 4 providers

Compare more cashback credit cards

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