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Capital One Quicksilver Cash Rewards vs Chase Sapphire Preferred
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One Quicksilver Cash RewardsCapital One | Chase Sapphire PreferredChase |
|---|---|---|
| Rating | 4.3/5 | 4.8/5 |
| Annual Fee | $0 | $95 |
| APR | 18.49% - 28.49% | 19.24% - 27.49% |
| Signup Bonus | $200 cash bonus after spending $500 in 3 months | 75,000 points after spending $5,000 in 3 months |
| Rewards Rate | 1.5% cash back on every purchase, 5% on hotels and rental cars through Capital One Travel | 5X on Chase Travel, 3X on dining & streaming & online groceries, 2X on travel, 1X on everything else |
| Credit Score | good | good |
| Pros | 1.5% unlimited cash back on every purchase with no annual fee 5% on hotels and rental cars through Capital One Travel No foreign transaction fees | 5X on Chase Travel and 3X on dining, streaming, and online groceries 10% anniversary bonus points on prior year's spend No foreign transaction fees |
| Cons | 1.5% base rate trails 2% flat-rate competitors No bonus spending categories beyond travel portal No intro APR on purchases | $95 annual fee No airport lounge access Limited premium perks vs. Reserve |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Sapphire Preferred
With a 4.8/5 rating, the Chase Sapphire Preferred edges out the Capital One Quicksilver Cash Rewards (4.3/5). At $95/yr, the value proposition is strong. The Chase Sapphire Preferred is the gold standard for everyday travel rewards. With flexible Ultimate Rewards points that transfer to 14+ airline and hotel partners, it's the card that started the travel rewards revolution.