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Card comparison · Chase vs Capital One

Chase Freedom Unlimited vs Capital One Quicksilver

The Chase Freedom Unlimited ($0 annual fee) ranks #111 and the Capital One Quicksilver ($0) ranks #140 of the 294 credit cards we score. Here they are side by side, from our card database.

By YourBest Editorial Team · Card data as of October 21, 2026 · How we score cards

Side by side

Chase Freedom UnlimitedCapital One Quicksilver
IssuerChaseCapital One
Annual fee$0$0
Welcome offerEarn a $200 bonus after you spend $500 on purchases in the first 3 monthsEarn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
Rewards
  • 1.5% cash back on all purchases
  • 3% dining/drugstore
  • 5% travel via Chase Travel
  • Unlimited 1.5% back on all purchases
Intro APRpurchases 15 months · balance transfers 15 monthspurchases 15 months · balance transfers 15 months
Ongoing APR18.49%-27.99%18.74%–28.74%
Balance transfer fee3% intro (60 days), then 5%Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
Foreign transaction feeNone—
Our overall score54 (#111 of 294)51 (#140 of 294)
Cash back ranking#4 of 70#47 of 70
Dining ranking#26 of 67not in this list
0% intro APR ranking#21 of 46#23 of 46
Apply nowApply now

Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.

Which one fits you

  • Higher overall score: Chase Freedom Unlimited (54 vs 51). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
  • Same annual fee: $0 on both.
  • Cash back: Chase Freedom Unlimited ranks higher in our cash back ranking (#4 vs #47 of 70).
  • Dining: only Chase Freedom Unlimited is in our dining ranking (#26 of 67).
  • 0% intro APR: Chase Freedom Unlimited ranks higher in our 0% intro APR ranking (#21 vs #23 of 46).

How we compared them

Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.

Frequently asked questions

Is the Chase Freedom Unlimited better than the Capital One Quicksilver?

By our overall score the Chase Freedom Unlimited ranks higher (54 vs 51), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.

Which has the lower annual fee, Chase Freedom Unlimited or Capital One Quicksilver?

Both list $0.

What are the welcome offers on the Chase Freedom Unlimited and Capital One Quicksilver?

Chase Freedom Unlimited: Earn a $200 bonus after you spend $500 on purchases in the first 3 months. Capital One Quicksilver: Earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Offers change often; terms apply.

Which is better for everyday categories like dining, groceries or travel?

Cash back: Chase Freedom Unlimited ranks higher in our cash back ranking (#4 vs #47 of 70). Dining: only Chase Freedom Unlimited is in our dining ranking (#26 of 67). 0% intro APR: Chase Freedom Unlimited ranks higher in our 0% intro APR ranking (#21 vs #23 of 46).

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