Capital One Quicksilver Cash Rewards Credit Card vs. Chase Sapphire Preferred
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Capital One Quicksilver Cash Rewards Credit Card
Capital One
Chase Sapphire Preferred
Chase
Capital One Quicksilver Cash Rewards Credit Card and Chase Sapphire Preferred split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Capital One Quicksilver Cash Rewards Credit Card wins on annual fee; Chase Sapphire Preferred wins on first-year math.
Pick the Chase Sapphire Preferred if year-one math is your priority; take the Capital One Quicksilver Cash Rewards Credit Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 1 (1 tie)- First-year math Chase Sapphire Preferred
Chase Sapphire Preferred wins on bonus value minus annual fee.
- Annual fee Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card is $95 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- $200
- $1,275
- First-year net
- +$200
- +$1,180
- Peak earning rate
- 5×
- 5×
- Top categories
- Travel Portal, Capital One Entertainment
- Chase Travel Portal, Dining, Travel
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Cashback
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.