Chase Freedom Unlimited vs. Capital One Quicksilver | finder.com

Chase Freedom Unlimited® vs. Quicksilver® from Capital One®

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Which unlimited 1.5% cashback rewards card makes the cut?

The Chase Freedom Unlimited® and Quicksilver® from Capital One® could be easily mistaken for twins from afar: no intro APR, identical signup bonus, same rewards structure and a $0 annual fee. But up close, you’ll notice the two have distinct features that give them their own personality.

The Chase Freedom Unlimited® gives you more flexibility when it comes to rewards. Then, if you’re the type who swipes your card around the world, you’ll appreciate that the Quicksilver® from Capital One® waives foreign transaction fees.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Quicksilver® from Capital One®

Quicksilver® from Capital One®

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★★★★★

4.2 / 5.0

★★★★★

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

Earn 1.5% unlimited cash back for each dollar spent

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 16.99% to 25.74% 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: 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 15.24%, 21.24% or 25.24% 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: 25.24% variable

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

Late payment fee
Late payment fee $38 $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

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Which card should you choose?

Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • No annual fee
  • Unlimited 1.5% cash back
  • Signup bonus of $150 cash back after you spend $500 on purchases in the first 3 months from account opening
  • Zero fraud liability

The Chase Freedom Unlimited® gives you the opportunity to snag up to $150 in cash back when you spend $500 on purchases in the first 3 months of opening your account. You're also given several options for redeeming your points — cash back, gift cards, shopping on Amazon or for travel when you book through Chase Ultimate Rewards®. Cardholders also get peace of mind that comes with zero liability, extended warranties and purchase protection.

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

The Quicksilver® from Capital One® may be a better choice for someone who's looking for a Swiss Army knife of a credit card. On top of waived foreign transaction fees, you're able to transfer balances at 0% APR for 15 months your account is open. And you pay a balance transfer fee of 3% if your transaction is within the first 10 days of card membership. Cardholders also get a suite of Visa Signature perks, including travel upgrades, complimentary concierge service, extended warranties and shopping discounts.

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 Quicksilver® from Capital One® 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. 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
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% 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 to $99
19.99% to 25.99% variable

N/A

Get 1% cash back rewards on eligible purchases.

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Kyle Morgan

Kyle Morgan is a producer for finder.com who has worked for the USA Today network and Relix magazine, among other publications. He can be found writing about everything from the latest car loan stats to tips on saving money when traveling overseas. He lives in Asbury Park, where he loves exploring new places and sipping on hoppy beer. Oh, and he doesn't discriminate against buffalo wings — grilled or fried are just fine.

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