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

Chase Freedom® credit card vs. Quicksilver® from Capital One®

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Choose between flat and rotating cash back.

The Chase Freedom® credit card 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® credit card

Chase Freedom® credit card

Quicksilver® from Capital One®

Quicksilver® from Capital One®

finder.com's rating

★★★★★

4.4 / 5.0

★★★★★

4.2 / 5.0
Welcome bonus

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

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

Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.

Earn 1.5% cash back on all purchases

Purchase APR (annual percentage rate)

0% intro APR for 15 months, and then 16.74% to 25.49% variable

0% intro APR for 15 months, and then 14.74%, 20.74% or 24.74% variable

Annual fee $0 $0
Balance transfers

APR: 0% intro APR for 15 months, then 16.74% to 25.49% variable

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

APR: 0% intro APR for 15 months, then 14.74%, 20.74% or 24.74% variable

Fee: 3% of the transaction

Cash advance

APR: 26.74% variable

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

APR: 24.74% variable

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

Late payment fee $38 $38
Additional cardholder fee $0 $0
Interest-free period 21 days 25 days
Minimum interest $0 $0
Minimum credit score 690 690
Card type Credit Credit
Rates and Fees Rates & Fees Rates & Fees
Learn more

Which card should you choose?

Chase Freedom® credit card

Chase Freedom® credit card

  • $150 signup bonus
  • Up to 5% cash back on rotating categories
  • Intro APR on purchases and balance transfers

If you like to keep things fresh with rotating rewards categories, the Chase Freedom® credit card could be the right pick. You’ll earn 5% cash back on up to $1,500 in combined purchases in quarterly rotating categories. 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®

  • $150 signup bonus
  • 1.5% cash back on all purchases
  • Intro APR 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 cash back credit cards

Name Product Credit Score Min. Annual Fee Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
680
0%
1.5
Unsecured
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
680
0%
1
Unsecured
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
680
95
0%
1
Unsecured
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
680
99
1
Unsecured
$0 to $99
19.74% to 25.74% variable
Get 1% cash back rewards on eligible purchase, terms apply.
720
0%
1
Unsecured
$0
15.24% to 25.24% variable
0% for the first 18 months (then 15.24% to 25.24% variable)
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
720
0%
1
Unsecured
$0
15.24% to 25.24% variable
0% for the first 12 statement closing dates (then 15.24% to 25.24% variable)
Earn more cash back for the things you buy most.
680
1
Unsecured
$0
16.99%, 22.74% or 25.74% variable
Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 1 on other purchases, and redeem points for Uber credits, gift cards or cash back.

Compare up to 4 providers

Compare more cashback credit cards

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