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

Which unlimited 1.5% cashback rewards card makes the cut?

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Both of these cards let you earn unlimited cash back on all purchases. The main difference is that the Capital One® Quicksilver® Cash Rewards Credit Card comes with no foreign transaction fees and 3% balance transfer fee as opposed to the 5% balance transfer fee Chase Freedom Unlimited® will charge after your first 60 days of card membership.

Aside from that, check out the other perks and benefits in the table below.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

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finder.com's rating

★★★★★

4.2 / 5.0

★★★★★

4.2 / 5.0
Best for
Best for
  • First-year cash back boost and unlimited cash back
  • Easy-to-earn signup bonus and flat cash back on all purchases
Welcome offer
Welcome offer

$150 after spending $500 in the first 3 months

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

Rewards
Rewards

1.5% cash back on all 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 16.74% to 25.49% variable

0% intro APR for 15 months, and then 15.74%, 21.74% or 25.74% variable

Annual fee
Annual fee $0 $0
Balance transfers
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 15.74% to 25.74% variable

Fee: 3% of the transaction

Cash advance
Cash advance

APR: 26.74% variable

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

APR: 25.74% 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 Unlimited®

Chase Freedom Unlimited®

  • No annual fee
  • Easy-to-earn signup bonus
  • Zero fraud liability

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

What’s next?

If you can reel in the rewards and benefit from the perks of either card, apply for the one that best fits your needs: Chase Freedom Unlimited® or Capital One® Quicksilver® Cash Rewards Credit Card offer.

But if you’re looking for a cashback card that offers bonus categories, or something else altogether, there’s a sea of options that could be a better catch.

Compare Chase Freedom® 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 15.74%, 21.74% or 25.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn $150 after spending $500 in the first 3 months.
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
CardMatch™ from creditcards.com
CardMatch™ from creditcards.com
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See issuer's website
See terms
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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

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