Capital One Quicksilver Cash Rewards Credit Card vs Chase Sapphire Preferred Card
Annual fees: Capital One Quicksilver Cash Rewards Credit Card $0/yr, Chase Sapphire Preferred Card $95/yr. Strongest bonus categories: Capital One Quicksilver Cash Rewards Credit Card on travel, Chase Sapphire Preferred Card on travel.
Card data as of October 12, 2026.
Capital One Quicksilver Cash Rewards Credit CardCapital One · No annual fee
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- Capital One Quicksilver Cash Rewards Credit Card$0LowestChase Sapphire Preferred Card$95
- Welcome offerCurrent public offer
- Capital One Quicksilver Cash Rewards Credit Card$200 cash backChase Sapphire Preferred Card75,000 points
- Rewards
- Capital One Quicksilver Cash Rewards Credit CardCash backChase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- Capital One Quicksilver Cash Rewards Credit CardNoneChase Sapphire Preferred CardNone
- Network
- Capital One Quicksilver Cash Rewards Credit CardMastercard World EliteChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Capital One Quicksilver Cash Rewards Credit Card1.5%Chase Sapphire Preferred Card3x
- Electric Vehicle Charging
- Capital One Quicksilver Cash Rewards Credit Card1.5%Chase Sapphire Preferred Card3x
- Gas Stations
- Capital One Quicksilver Cash Rewards Credit Card1.5%Chase Sapphire Preferred Card3x
- Grocery Stores
- Capital One Quicksilver Cash Rewards Credit Card1.5%Chase Sapphire Preferred Card3x
- Streaming
- Capital One Quicksilver Cash Rewards Credit Card1.5%Chase Sapphire Preferred Card3x
- Vacation Rentals
- Capital One Quicksilver Cash Rewards Credit Card1.5%Chase Sapphire Preferred Card3x
- Travel
- Capital One Quicksilver Cash Rewards Credit Card1.5%Chase Sapphire Preferred Card2x
- Everything else
- Capital One Quicksilver Cash Rewards Credit Card1.5%Chase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One Quicksilver Cash Rewards Credit Card—Chase Sapphire Preferred Card
- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- Entertainment & streaming
- Capital One Quicksilver Cash Rewards Credit Card—Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Perks & access— means none on record
- Other perks
- Capital One Quicksilver Cash Rewards Credit Card
- No Foreign Transaction Fees
- 24/7 Travel Assistance Services Worldwide
- Capital One Dining
- Complimentary Concierge Service
Chase Sapphire Preferred Card- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Quicksilver Cash Rewards Credit Card
- Travel Accident Insurance Up to $1,000,000
Chase Sapphire Preferred Card- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
- Baggage
- Capital One Quicksilver Cash Rewards Credit Card—Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
- Rental car
- Capital One Quicksilver Cash Rewards Credit Card—Chase Sapphire Preferred Card
- Auto Rental Coverage
- Purchase & returns
- Capital One Quicksilver Cash Rewards Credit Card—Chase Sapphire Preferred Card
- 120-day Purchase Protection up to $500 per item
- Extended warranty
- Capital One Quicksilver Cash Rewards Credit Card
- Extended Warranty Doubles Coverage, Up to 24 Months
Chase Sapphire Preferred Card- Extended Warranty Protection adds 1 extra year
- Other protections
- Capital One Quicksilver Cash Rewards Credit Card
- Free Credit Monitoring with CreditWise
Chase Sapphire Preferred Card- Travel and Emergency Assistance Services
Pros & cons
- Pros
- 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
Chase Sapphire Preferred Card- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- 1:1 transfer to 14 airline and hotel partners including Hyatt
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
- Cons
- 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
Chase Sapphire Preferred Card- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Expert Analysis
The Capital One Quicksilver Cash Rewards Credit Card and Chase Sapphire Preferred Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Capital One Quicksilver Cash Rewards Credit Card's strongest category is Entertainment at 5X, while the Chase Sapphire Preferred Card leads with 3X on Dining. Overall, the Chase Sapphire Preferred Card wins in more bonus categories (5 vs 1) — so the better choice depends on where you spend the most.
At $0/yr vs $95/yr, the Capital One Quicksilver Cash Rewards Credit Card is the more accessible option. The Chase Sapphire Preferred Card needs to deliver at least $95 in annual value through its premium benefits to justify the gap.
Key Differences
- Capital One Quicksilver Cash Rewards Credit Card earns 5X on Entertainment vs 1X for the other
- Chase Sapphire Preferred Card earns 3X on Dining vs 1.5X for the other
- Chase Sapphire Preferred Card earns 3X on Streaming vs 1.5X for the other
- The Capital One Quicksilver Cash Rewards Credit Card costs $0/yr vs $95/yr — a $95 annual gap
- Capital One Quicksilver Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X on non-bonus spending)
- Different networks: Capital One Quicksilver Cash Rewards Credit Card is MASTERCARD, Chase Sapphire Preferred Card is VISA
Spending Scenarios
Which card wins in real-world spending situations?
$100/month on entertainment
Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X. Over a year, that's 6,000 vs 1,200 points — a 4,800-point advantage.
$400/month on dining
Chase Sapphire Preferred CardChase Sapphire Preferred Card earns 3X vs 1.5X. Over a year, that's 14,400 vs 7,200 points — a 7,200-point advantage.
$50/month on streaming
Chase Sapphire Preferred CardChase Sapphire Preferred Card earns 3X vs 1.5X. Over a year, that's 1,800 vs 900 points — a 900-point advantage.
Mixed everyday spending, 2 trips/year
Capital One Quicksilver Cash Rewards Credit CardWithout heavy spending in the Chase Sapphire Preferred Card's premium categories, the $95 fee difference is hard to recover. The Capital One Quicksilver Cash Rewards Credit Card delivers better overall value for moderate spenders.
Who Should Get Which?
Get the Capital One Quicksilver Cash Rewards Credit Card if:
The Capital One Quicksilver Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on entertainment and keeping annual costs low and earning more on everyday purchases. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Chase Sapphire Preferred Card if:
The Chase Sapphire Preferred Card is ideal for cardholders who prioritize spending heavily on dining and streaming. At $95/yr, it delivers solid return on the annual fee investment for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 5 of 6 categories. The Capital One Quicksilver Cash Rewards Credit Card leads in 1. 1 more category depend on booking channel or caps.
Dining
Chase Sapphire Preferred Card earns 3X vs 1.5X
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 1.5X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1.5X
Vacation Rentals
Chase Sapphire Preferred Card earns 3X vs 1.5X
Streaming
Chase Sapphire Preferred Card earns 3X vs 1.5X
Grocery Stores
Depends: Online purchases only. Excludes Target, Walmart, Wholesale Clubs. Grocery pickup or delivery must be ordered online and qualify under Chase's online grocery category. Excludes membership and subscription fees, supermarket pharmacies, gift cards and gift baskets.
Chase Sapphire Preferred Card earns 3X when conditions are met; Capital One Quicksilver Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
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 Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One Quicksilver Cash Rewards Credit Card | Chase Sapphire Preferred Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $380 | Rewards: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $920 | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Is the Fee Difference Worth It?
The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the Capital One Quicksilver Cash Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Chase Sapphire Preferred Card needs roughly $95 more in annual rewards (or credits you will use) to break even on travel and dining and everyday spend.
Which Card Is Right for You?
Get the Capital One Quicksilver Cash Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
Get the Chase Sapphire Preferred Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Chase Sapphire Preferred 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.
Published annual fees: Capital One Quicksilver Cash Rewards Credit Card $0/yr, Chase Sapphire Preferred Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Chase Sapphire Preferred Card worth the higher annual fee?
- The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Capital One Quicksilver Cash Rewards Credit Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Capital One Quicksilver Cash Rewards Credit Card or Chase Sapphire Preferred 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 Capital One Quicksilver Cash Rewards Credit Card or the Chase Sapphire Preferred Card?
- Use the spend scenarios on this page: the Capital One Quicksilver Cash Rewards Credit Card has a lower $0/yr fee; the Chase Sapphire Preferred Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
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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.