Which card earns more rewards, the Prime Visa or Capital One Quicksilver Cash Rewards Credit Card?

The Capital One Quicksilver Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Prime Visa or the Capital One Quicksilver Cash Rewards Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Prime Visa vs Capital One Quicksilver Cash Rewards Credit Card

Both cards cost $0/yr. The Prime Visa leads on gas stations; the Capital One Quicksilver Cash Rewards Credit Card on travel.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Prime Visa Chase · No annual fee	Capital One Quicksilver Cash Rewards Credit Card Capital One · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$150 gift card	$200 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	None	None
Network	Visa Signature	Mastercard World Elite
Earn ratesPer $1 spent
Dining	2% Highest	1.5%
Gas Stations	2% Highest	1.5%
Transit	2% Highest	1.5%
Everything else	1%	1.5% Highest
Perks & access— means none on record
Other perks	—	No Foreign Transaction Fees 24/7 Travel Assistance Services Worldwide Capital One Dining Complimentary Concierge Service
Protections & insuranceLimits where published · — means none on record
Trip insurance	Up to $500,000 travel accident coverage	Travel Accident Insurance Up to $1,000,000
Purchase & returns	$500 per claim on damage or theft	—
Extended warranty	—	Extended Warranty Doubles Coverage, Up to 24 Months
Other protections	—	Free Credit Monitoring with CreditWise
Pros & cons
Pros	5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership 5% back on Chase Travel portal bookings with no cap 2% back at restaurants, gas stations, and transit - solid everyday categories $150 Amazon Gift Card welcome bonus with no minimum spend required No annual fee on the card itself (Prime membership separate)	No annual fee keeps costs at zero Unlimited 1.5% cash back on all purchases with no caps or rotating categories No foreign transaction fees saves 3% on international purchases 5% back on hotels, vacation rentals and rental cars booked through Capital One Travel Low $500 spend requirement for welcome bonus is easy to meet
Cons	Requires an eligible Amazon Prime membership to earn 5% (3% without Prime) Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels Only 1% back on non-category purchases - below average for catch-all spending No premium travel protections like trip delay insurance or lounge access Sign-up bonus is gift card, not flexible cash or points	1.5% flat rate is lower than category-specific cards offer in their bonus categories No transfer partners for airline or hotel loyalty programs Lacks premium travel protections like trip delay or primary rental car insurance Welcome bonus amount is modest compared to premium travel cards No bonus categories for everyday spending like dining or groceries
	Card details	Card details

Prime Visa
Chase · No annual fee
Capital One Quicksilver Cash Rewards Credit Card
Capital One · No annual fee

Overview

Annual fee: Prime Visa
$0
Capital One Quicksilver Cash Rewards Credit Card
$0
Welcome offerCurrent public offer: Prime Visa
$150 gift card
Capital One Quicksilver Cash Rewards Credit Card
$200 cash back
Rewards: Prime Visa
Cash back
Capital One Quicksilver Cash Rewards Credit Card
Cash back
Foreign transaction fee: Prime Visa
None
Capital One Quicksilver Cash Rewards Credit Card
None
Network: Prime Visa
Visa Signature
Capital One Quicksilver Cash Rewards Credit Card
Mastercard World Elite

Earn ratesPer $1 spent

Dining: Prime Visa
2%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Gas Stations: Prime Visa
2%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Transit: Prime Visa
2%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Everything else: Prime Visa
1%
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Highest

Perks & access— means none on record

Other perks: Prime Visa
—
Capital One Quicksilver Cash Rewards Credit Card
No Foreign Transaction Fees
24/7 Travel Assistance Services Worldwide
Capital One Dining
Complimentary Concierge Service

Protections & insuranceLimits where published · — means none on record

Trip insurance: Prime Visa
Up to $500,000 travel accident coverage
Capital One Quicksilver Cash Rewards Credit Card
Travel Accident Insurance Up to $1,000,000
Purchase & returns: Prime Visa
$500 per claim on damage or theft
Capital One Quicksilver Cash Rewards Credit Card
—
Extended warranty: Prime Visa
—
Capital One Quicksilver Cash Rewards Credit Card
Extended Warranty Doubles Coverage, Up to 24 Months
Other protections: Prime Visa
—
Capital One Quicksilver Cash Rewards Credit Card
Free Credit Monitoring with CreditWise

Pros & cons

Pros: Prime Visa
5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership
5% back on Chase Travel portal bookings with no cap
2% back at restaurants, gas stations, and transit - solid everyday categories
$150 Amazon Gift Card welcome bonus with no minimum spend required
No annual fee on the card itself (Prime membership separate)
Capital One Quicksilver Cash Rewards Credit Card
No annual fee keeps costs at zero
Unlimited 1.5% cash back on all purchases with no caps or rotating categories
No foreign transaction fees saves 3% on international purchases
5% back on hotels, vacation rentals and rental cars booked through Capital One Travel
Low $500 spend requirement for welcome bonus is easy to meet
Cons: Prime Visa
Requires an eligible Amazon Prime membership to earn 5% (3% without Prime)
Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
Only 1% back on non-category purchases - below average for catch-all spending
No premium travel protections like trip delay insurance or lounge access
Sign-up bonus is gift card, not flexible cash or points
Capital One Quicksilver Cash Rewards Credit Card
1.5% flat rate is lower than category-specific cards offer in their bonus categories
No transfer partners for airline or hotel loyalty programs
Lacks premium travel protections like trip delay or primary rental car insurance
Welcome bonus amount is modest compared to premium travel cards
No bonus categories for everyday spending like dining or groceries

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Prime Visa wins in 3 of 5 categories. The Capital One Quicksilver Cash Rewards Credit Card leads in 2.

Gas Stations

Prime Visa earns 2X vs 1.5X

Transit

Prime Visa earns 2X vs 1.5X

Dining

Prime Visa earns 2X vs 1.5X

Travel

Capital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X

5X via issuer travel portal

Everyday purchases

Capital One Quicksilver Cash Rewards Credit Card earns 1.5X on all other spending vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Capital One Quicksilver Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Prime Visa	Capital One Quicksilver Cash Rewards Credit Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $300	Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $380	Capital One Quicksilver Cash Rewards Credit Card	Capital One Quicksilver Cash Rewards Credit Card
Heavy spender: $4,000/month	Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $750	Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $920	Capital One Quicksilver Cash Rewards Credit Card	Capital One Quicksilver Cash Rewards Credit Card

Which Card Is Right for You?

Get the Prime Visa if you:

+Spend $300+/month on restaurants and dining out

Get the Capital One Quicksilver Cash Rewards Credit Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

Both scenarios favor the Capital One Quicksilver Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 1.5X on the Capital One Quicksilver Cash Rewards Credit Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the Prime Visa or Capital One Quicksilver Cash Rewards Credit Card?: The Capital One Quicksilver Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Prime Visa or the Capital One Quicksilver Cash Rewards Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Chase cards · Capital One cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.