Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

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

Which unlimited 1.5% cashback rewards card makes the cut?

Updated

Fact checked

These cards are very similar cashback products. However, the Chase Freedom Unlimited® has a 3% foreign transaction fee, while the Capital One® Quicksilver® Cash Rewards Credit Card doesn’t. Chase’s card also has higher balance transfer fees: within the first 60 days of account opening and $5 afterward. Meanwhile, Capital One’s card doesn’t currently offer a balance transfer intro APR and thus doesn’t charge a balance transfer fee on balance transfers.

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

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Rates & Fees

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Rates & Fees

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

★★★★★

4.2 / 5.0

★★★★★

4.2 / 5.0
Best for
Best for
  • Earn unlimited 1.5 cash back on every purchase.
  • 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

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

Rewards
Rewards

3.5% on Lyft and 1.5% cash back on all other purchases

1.5% cash back on all purchases

Purchase APR
Purchase APR

0% intro APR for 15 months, and then 12.99% to 24.74% variable

0% intro APR for 15 months, and then 15.49%, 21.49% or 25.49% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 15 months, then 12.99% to 24.74% 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 $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
Learn more
Learn more

Which card should you choose?

Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • Earn an unlimited, flat cash back rate of 1.5%.
  • Get a welcome offer of $200 after you spend $500 within your first 3 months of account opening.
  • Don't pay an annual fee.

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

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 cash back credit cards

Name Product Filter values Rewards Purchase APR Annual fee
TD Cash Credit Card
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Unsecured Visa® for Rebuilding Credit
1% cash back on all purchases on eligible purchases
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Visa® with Free Credit Score Access
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
loading

Compare up to 4 providers

Credit cards 101

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site