Search Credit Card Offers
Capital One Quicksilver Cash Rewards Credit Card vs Chase Sapphire Preferred® Card
This comparison aims to provide you with a detailed overview of the Capital One Quicksilver Cash Rewards Credit Card and the Chase Sapphire Preferred® Card. Understanding the key features and benefits of each card will help you decide which one aligns best with your spending habits and financial goals.
Card Overviews
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is designed for consumers looking for a straightforward cash-back rewards program without an annual fee. It's ideal for those who prefer simplicity in earning rewards on everyday purchases.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card caters to travelers and dining enthusiasts, offering generous rewards on travel and dining purchases. With valuable bonus points and travel benefits, it appeals to those who frequently travel and enjoy dining out.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Cash Rewards Credit Card | Chase Sapphire Preferred® Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Welcome Bonus | $200 cash bonus after spending $500 in 3 months | 100,000 bonus points after spending $5,000 in 3 months |
| Rewards Structure | 1.5% cash back on every purchase | 5x on travel via Chase Travel, 3x on dining, 2x on travel, 1x on all other purchases |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | No additional fees | No additional fees |
| Additional Benefits | Cash back doesn't expire | Trip insurance, car rental insurance, DashPass access |
Rewards Highlights
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.
- Earn unlimited 1.5% cash back on every purchase, every day.
Pros and Cons
Capital One Quicksilver Cash Rewards Credit Card
- Pros:
- No annual fee
- Simple cash back rewards structure
- Generous welcome bonus
- No foreign transaction fees
- Cash back does not expire
- Cons:
- Lower rewards rate compared to premium travel cards
- Limited travel benefits
Chase Sapphire Preferred® Card
- Pros:
- High welcome bonus points
- Excellent rewards on travel and dining
- Valuable redemption options through Chase Travel
- Comprehensive travel insurance benefits
- DashPass access for delivery savings
- Cons:
- Annual fee of $95
- Higher spending requirement for the welcome bonus
Who Should Consider Which Card?
- The Capital One Quicksilver Cash Rewards Credit Card is ideal for those who want a no-annual-fee card that offers simple cash back on every purchase without complicated bonus categories.
- The Chase Sapphire Preferred® Card is better suited for travelers and foodies who will benefit from its enhanced rewards on travel and dining, along with valuable travel protections.
Conclusion
In summary, both the Capital One Quicksilver Cash Rewards Credit Card and the Chase Sapphire Preferred® Card have unique advantages that cater to different spending habits. Assess your individual needs and preferences to choose the card that best fits your lifestyle and financial goals.