Head-to-head · 🇺🇸 United States
Chase Freedom Flex vs Capital One Quicksilver
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Chase
Chase Freedom Flex
Wins 2 of 10
US
Capital One
Capital One Quicksilver
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Chase Freedom Flex | Capital One Quicksilver |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 1.5% (general) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cashback after $500 spend in first 3 months | = $200 cashback after $500 in first 3 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
Chase Freedom Flex
- 5% rotating quarterly bonus categories (up to $1,500/quarter)
- 5% on travel via Chase Ultimate Rewards
- 3% on dining + drugstores
- 1% on everything else
- No annual fee
- 0% intro APR for 15 months
Capital One Quicksilver
- 1.5% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No foreign transaction fees
- No annual fee
- 0% intro APR for 15 months
FAQ
›Chase Freedom Flex vs Capital One Quicksilver: which is better?
It's a true tie — pick the one whose boost categories match your spend. Chase Freedom Flex wins on 2 criteria, Capital One Quicksilver on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Freedom Flex for its best categories, Capital One Quicksilver for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Freedom Flex: $200 cashback after $500 spend in first 3 months. Capital One Quicksilver: $200 cashback after $500 in first 3 months.