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2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

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Credit card comparison
Overview
	Capital One Quicksilver Cash Rewards Credit Card Capital One · No annual fee	Chase Sapphire Preferred Card Chase · $95/yr
Annual fee	$0 Lowest	$95
Welcome offerCurrent public offer	$200 cash back	75,000 points
Rewards	Cash back	Chase Ultimate Rewards
Foreign transaction fee	None	None
Network	Mastercard World Elite	Visa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
Dining	1.5%	3x
Electric Vehicle Charging	1.5%	3x
Gas Stations	1.5%	3x
Grocery Stores	1.5%	3x
Streaming	1.5%	3x
Vacation Rentals	1.5%	3x
Travel	1.5%	2x
Everything else	1.5%	1x
Statement creditsAs the issuer states them · — means none on record
Travel	—	$120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years $100 hotel credit
Entertainment & streaming	—	A year of Apple TV, valued at $180 · $180 one-time
Perks & access— means none on record
Other perks	No Foreign Transaction Fees 24/7 Travel Assistance Services Worldwide Capital One Dining Complimentary Concierge Service	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	Travel Accident Insurance Up to $1,000,000	Travel Accident Insurance up to $500,000 $10,000 Trip Cancellation Insurance per person $500 Trip Delay Reimbursement per traveler
Baggage	—	$500 Baggage Delay Insurance ($100 per day) $3,000 Lost Luggage Reimbursement per traveler
Rental car	—	Auto Rental Coverage
Purchase & returns	—	120-day Purchase Protection up to $500 per item
Extended warranty	Extended Warranty Doubles Coverage, Up to 24 Months	Extended Warranty Protection adds 1 extra year
Other protections	Free Credit Monitoring with CreditWise	Travel and Emergency Assistance Services
Pros & cons
Pros	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	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	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	$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
	Card details	Card details

Capital One Quicksilver Cash Rewards Credit Card
Capital One · No annual fee
Chase Sapphire Preferred Card
Chase · $95/yr

Overview

Annual fee: Capital One Quicksilver Cash Rewards Credit Card
$0
Lowest
Chase Sapphire Preferred Card
$95
Welcome offerCurrent public offer: Capital One Quicksilver Cash Rewards Credit Card
$200 cash back
Chase Sapphire Preferred Card
75,000 points
Rewards: Capital One Quicksilver Cash Rewards Credit Card
Cash back
Chase Sapphire Preferred Card
Chase Ultimate Rewards
Foreign transaction fee: Capital One Quicksilver Cash Rewards Credit Card
None
Chase Sapphire Preferred Card
None
Network: Capital One Quicksilver Cash Rewards Credit Card
Mastercard World Elite
Chase Sapphire Preferred Card
Visa Signature

Earn ratesPer $1 spent · points and cash back aren’t ranked against each other

Dining: Capital One Quicksilver Cash Rewards Credit Card
1.5%
Chase Sapphire Preferred Card
3x
Electric Vehicle Charging: Capital One Quicksilver Cash Rewards Credit Card
1.5%
Chase Sapphire Preferred Card
3x
Gas Stations: Capital One Quicksilver Cash Rewards Credit Card
1.5%
Chase Sapphire Preferred Card
3x
Grocery Stores: Capital One Quicksilver Cash Rewards Credit Card
1.5%
Chase Sapphire Preferred Card
3x
Streaming: Capital One Quicksilver Cash Rewards Credit Card
1.5%
Chase Sapphire Preferred Card
3x
Vacation Rentals: Capital One Quicksilver Cash Rewards Credit Card
1.5%
Chase Sapphire Preferred Card
3x
Travel: Capital One Quicksilver Cash Rewards Credit Card
1.5%
Chase Sapphire Preferred Card
2x
Everything else: Capital One Quicksilver Cash Rewards Credit Card
1.5%
Chase Sapphire Preferred Card
1x

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

Card details

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