Capital One Quicksilver Cash Rewards Credit Card vs Chase Freedom Flex®

Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit Card

Capital One

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Chase Freedom Flex®Chase Freedom Flex®

Chase

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Chase Ultimate Rewards
Point Value
1.00¢/pt
2.00¢/pt
Base Earn Rate
1.5x
1x
Welcome Bonus
$200 after $500 in 90 days
20,000 Chase Ultimate Rewards after $500 in 90 days

Effective return by category

CategoryCapital One Quicksilver Cash Rewards Credit CardChase Freedom Flex®
EV Charging1.50%
1.5x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
Gas Stations1.50%
1.5x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
Transit & Rideshare1.50%
1.5x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
Entertainment1.50%
1.5x
10.00%
5x · Rotating (Quarterly) · $1,500 cap
Everything else1.50%
1.5x
2.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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