Dedicated comparison page

Capital One Quicksilver Cash Rewards vs Chase Sapphire Reserve

Capital One Quicksilver Cash Rewards vs Chase Sapphire Reserve on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCapital One Quicksilver Cash RewardsNo annual fee
Highest reward rateChase Sapphire Reserve5.0%
Lowest starting credit rangeCapital One Quicksilver Cash Rewards640+

Quick Take

Capital One Quicksilver Cash Rewards

by Capital One

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Capital One Quicksilver Cash Rewards is a cashback card from Capital One with no annual fee, earn a $200 cash bonus, and fair to good credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

  • 1.5% on Other
  • Earn a $200 cash bonus
  • No foreign transaction fee
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Chase Sapphire Reserve

by Chase

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Chase Sapphire Reserve is a travel card from Chase with a $795 annual fee, 150,000 bonus points after ,000 in 3 months, and good to excellent credit.

Best for: People focused on travel rewards who can justify a $795 annual fee and who typically have good to excellent credit.

  • 5% on Travel (portal)
  • 150,000 bonus points after ,000 in 3 months
  • No foreign transaction fee
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Side-by-Side Facts

MetricCapital One Quicksilver Cash RewardsChase Sapphire Reserve
Annual FeeNone$795
Reward Rate1.5%5.0%
Signup BonusEarn a $200 cash bonus150,000 bonus points after ,000 in 3 months
Foreign Transaction FeeNoneNone
Recommended CreditFair to good creditGood to excellent credit
Rewards SummaryEarn elevated rewards with 1.5% on Other, plus 1.5% on other purchases.Earn elevated rewards with 5% on Travel (portal), 3% on Dining and 3% on Travel, plus 1% on other purchases.

Who Should Pick Which Card?

Capital One Quicksilver Cash Rewards

Its strongest earning category is Other at 1.5%, backed by 1.5% on general spending. It also avoids foreign transaction fees.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • Earn a $200 cash bonus
  • No annual fee to offset rewards
  • Earns 1.5% on Other
  • No foreign transaction fee

Tradeoffs

    Chase Sapphire Reserve

    Its strongest earning category is Travel (portal) at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.

    Best for: People focused on travel rewards who can justify a $795 annual fee and who typically have good to excellent credit.

    Pros

    • 150,000 bonus points after ,000 in 3 months
    • Potentially worthwhile if you use the card enough to cover the $795 annual fee
    • Earns 5% on Travel (portal)
    • Earns 3% on Travel

    Tradeoffs

    • Annual fee of $795 means you need ongoing value from the card
    • Typically requires good to excellent credit
    • Signup bonus requires $6000 in spending within 3 months
    • Base rewards on non-bonus spending are relatively modest

    Frequently Asked Questions

    What is the main difference between Capital One Quicksilver Cash Rewards and Chase Sapphire Reserve?

    The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

    Which card is easier to qualify for?

    Capital One Quicksilver Cash Rewards has the lowest published starting credit range in this comparison at 640.

    Which card has the lowest annual fee?

    Capital One Quicksilver Cash Rewards has the lowest annual fee in this comparison at no annual fee.