Quicksilver Cash Back Rewards Card vs Chase Freedom Unlimited
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Quicksilver Cash Back Rewards Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $512
Chase Freedom Unlimited
Estimated value every year on typical spending
$540/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $740
The short answer
- On typical spending, the Chase Freedom Unlimited comes out ahead: about $540 a year after its fee, against $312 for the Capital One Quicksilver Cash Back Rewards Card.
- The Chase Freedom Unlimited earns more on groceries, dining, gas, travel, everything else.
Side by side
| Quicksilver Cash Back Rewards Card | Chase Freedom Unlimited | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 1.5% cash back on every purchase, every day, and rewards don't expire for the life of the account | 1.5% cash back; 3% on dining and drugstore purchases; 5% on travel purchased through Chase Travel |
| Welcome bonus | $200 cash bonus | Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. |
| Credits counted | $0/yr | $0/yr |
| Intro APR | Not listed | 0% for the first 15 months |
| Regular APR | Not listed | 18.49% to 29.99% variable |
| Foreign transaction fee | None | None |
| Credit needed | Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | Quicksilver Cash Back Rewards Card | Chase Freedom Unlimited |
|---|---|---|
| groceries ($500) | $60 | $90 |
| dining ($400) | $48 | $144 |
| gas ($200) | $24 | $36 |
| travel ($300) | $36 | $54 |
| everything else ($1,200) | $144 | $216 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Capital One Quicksilver Cash Back Rewards Card or the Chase Freedom Unlimited?
On typical spending the Chase Freedom Unlimited is worth more: about $540 a year after its fee, against $312 for the Capital One Quicksilver Cash Back Rewards Card. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Chase Freedom Unlimited. On $500 a month of groceries it earns about $90 a year, against $60 with the Capital One Quicksilver Cash Back Rewards Card.
Which is better for dining?
The Chase Freedom Unlimited. On $400 a month of dining it earns about $144 a year, against $48 with the Capital One Quicksilver Cash Back Rewards Card.
Which is better for travel?
The Chase Freedom Unlimited. On $300 a month of travel it earns about $54 a year, against $36 with the Capital One Quicksilver Cash Back Rewards Card.
Which is better for gas?
The Chase Freedom Unlimited. On $200 a month of gas it earns about $36 a year, against $24 with the Capital One Quicksilver Cash Back Rewards Card.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.