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Capital One Venture Rewards Card vs. Quicksilver Card [Detailed Comparison]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

310 Published Articles

Countries Visited: 98U.S. States Visited: 45

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
Edited by: Jessica Merritt
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Jessica Merritt

Editor & Content Contributor

89 Published Articles 500 Edited Articles

Countries Visited: 4U.S. States Visited: 23

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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Juan Ruiz

Senior Editor & Content Contributor

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Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been ...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

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Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

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You have to hand it to Capital One — the card issuer is consistent at keeping things simple. You won’t find a lot of bells and whistles on most of the issuer’s cards, but you will find simplicity in the earnings structures, solid good-value redemption options, and enough travel and shopping benefits to add value to cardmembers holding 1 or more Capital One cards.

Today we’re focusing on 2 popular Capital One cards that have similarities when it comes to earning rewards and benefits, but when we look closely and compare the cards side by side, you may find a winner.

Join us as we look closely at the Capital One Venture Rewards Credit Card and Capital One Quicksilver Cash Rewards Credit Card to determine which might be the better card for you.

Capital One Venture Card vs. Quicksilver Card — Overview

While our featured cards are very similar, there are some earning level and benefit differences. Here’s a close-up of how the cards stack up against each other.

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Capital One Venture Rewards Credit CardCapital One Quicksilver Cash Rewards Credit Card
Welcome BonusEarn 75,000 miles when you spend $4,000 on purchases in the first 3 months.Earn a one-time $200 cash bonus when you spend $500 on purchases in the first 3 months.
Unlimited Earning
  • 5x miles on hotels and rental cars booked through Capital One Travel
  • 2x miles on all other purchases
  • 5% cash-back on hotels and rental cars booked through Capital One Travel
  • 1.5% cash-back on all other purchases
Redemption Options
  • Transfer miles to airline and hotel partners
  • Redeem for a cash-back statement credit, gift cards, shopping at Amazon, or via PayPal
Cash-back, a statement credit, shopping at Amazon or via PayPal, gift cards
Travel Benefits and Protections
  • Car rental insurance
  • Master RoadAssist
  • No foreign transaction fees (rates & fees)
  • Travel assistance services
  • Travel accident insurance
  • Lost or damaged luggage insurance
  • Up to $100 for Global Entry or TSA PreCheck fee reimbursement
  • Car rental insurance
  • Roadside dispatch
  • No foreign transaction fees (rates & fees)
  • Travel assistance services
  • Travel accident insurance
Shopping Benefits and Protections
  • Purchase protection
  • Extended warranty
  • Capital One Offers
  • Price protection
  • Purchase protection
  • Extended warranty
  • Capital One Offers
Annual Fee$95 (rates & fees)$0 (rates & fees)

The Value of a Welcome Bonus

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros
  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
Cons
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

Capital One Quicksilver Cash Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.

Learn More(at Capital One's secure site)
A flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
$200
$0
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Low maintenance, that’s your motto. When it comes to your credit cards, you don’t have the time or inclination to figure out which spending categories earn you the most cash-back.

A card that earns 1.5% cash-back for everything is more your speed.

That’s why you should consider the Capital One Quicksilver Cash Rewards Credit Card. You’ll never waste your time with changing categories, and there’s no limit to the cash-back you can earn.

Pros
  • Unlimited 1.5% cash-back on all purchases
  • No annual fee (rates & fees)
  • Up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Cons
    • Doesn’t offer bonus categories for those looking to maximize certain purchases
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • 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
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
  • Foreign Transaction Fees: None
Rewards Center

This card’s rewards will accrue on the card and be available under capitalone.com.

Welcome bonuses provide an immediate opportunity to jump-start your earnings when you’re first approved for your new card. While the amount of the welcome bonus can vary depending on the current card offer, you’ll be required to hit a minimum spending level within a specified period after card approval to qualify and receive the bonus.

Always check for the current offering before applying for any card and keep track of the date you were approved to be sure to complete the required spending before the deadline.

A 50,000-mile welcome bonus is generally worth $500. You may be able to leverage your miles by transferring these rewards to travel partners for greater potential value. We’ll talk about this option shortly.

Bottom Line: Welcome bonuses can provide a jump-start to your earnings. Each Capital One mile is generally worth 1 cent each, but you may be able to realize greater value, depending on your redemption choice, versus the fixed value of cash-back.

Earning Rewards

With either of our featured cards, you’ll find a simple earning structure that ensures you’ll earn rewards on every purchase you make. You won’t have to keep track of any specific bonus category earning, just use your card for every purchase, every day, and earn rewards.

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CardAnnual FeeEarnings
Capital One Venture card$95 (rates & fees)
  • 5x miles on hotels and rental cars booked through Capital One Travel
  • 2x miles per dollar spent on other purchases
Quicksilver card$0 (rates & fees)
  • 5% cash-back on hotels and rental cars booked through Capital One Travel
  • 1.5% cash-back on every purchase

The Capital One Venture card earns a higher level of rewards than the Quicksilver card, but it also charges an annual fee (rates & fees). If you’re spending $20,000 each year, you would earn $400 worth of Capital One miles (when conservatively valued at 1 cent each) on the Capital One Venture card or $300 in cash-back on the Quicksilver card. Taking into consideration the annual fee, you would be approximately $5 ahead on the Capital One Venture card after spending that amount.

However, by leveraging airline and hotel partners, you may be able to redeem Capital One Venture card miles for greater value than 1 cent each, making it the better card for travel redemptions.

Bottom Line: The Capital One Venture card has a higher earning level of 2 miles per dollar spent, but has an annual fee (rates & fees). You would need to spend $20,000 to come out ahead over the Quicksilver card that has no annual fee (rates & fees). However, the Capital One Venture card comes with a much higher welcome bonus, making it the better choice from an initial earnings perspective if you can meet the initial spending requirements to earn this bonus. Miles earned on the Capital One Venture card could also potentially be redeemed for greater value when transferred to travel partners.

Redeeming Rewards

Delta One Suites A350
Transfer Capital One miles to Aeromexico to book Delta One Suites. Image Credit: Delta

Each of our featured cards offers different redemption options. Here are the choices you’ll have for redeeming your Capital One miles earned on the Capital One Venture card and cash-back earned on the Quicksilver card:

Capital One Venture Card

Redeem for Travel

  • Transfer Miles to Travel Partners — Transferring Capital One miles to airline or hotel partners offers the best opportunity for greater value. After transferring the miles, you can redeem the airline frequent flyer miles or hotel points for flights and free hotel nights. For more information on receiving the best value with transfer partners, our informative article has some creative ideas.
  • Purchase Travel With Capital One Travel — Use your miles at the value of 1 cent each to redeem them for travel purchases via Capital One Travel.

Redeem for Shopping or Statement Credits

Redeem Capital One miles for gift cards, shop at Amazon, or redeem your rewards via PayPal. You may also use your miles for a statement credit for any purchase (not recommended). Values vary and can be less than 1 cent per mile.

Quicksilver Card

Cash-back is the most liquid form of rewards and is easy to redeem. You’ll receive the best value for your rewards when you request a check or a statement credit. However, you can also use your rewards (values vary) to shop at Amazon, redeem via PayPal, or purchase gift cards.

Bottom Line: The best potential value for your miles may be to transfer to travel partners and purchase airline award tickets or free hotel nights, though you can also redeem your miles for 1 cent each as a statement credit with Capital One Travel. While not the best value, miles can also be redeemed for gift cards and shopping. The Quicksilver card earns cash-back rewards that can be redeemed easily and for the best value in the form of a check or a statement credit.

Travel Benefits and Protections

Car rental
Enjoy secondary car rental insurance coverage with both of our featured cards. Image Credit: PHTGRPHER_EVERYDAY via Shutterstock

Since travel benefits and protections are included at no extra charge, any value you receive is a plus. Here are some of the modest travel benefits and protections you can expect on the Capital One Venture card and the Quicksilver card:

  • Car Rental Insurance — Pay for the entire rental with your card, decline the rental agency’s collision damage waiver coverage, and receive secondary car rental coverage within your country of residence. If you do not have auto insurance or if it does not cover you outside of your country of residence, coverage can be primary. Additional terms and conditions apply.
  • Roadside Dispatch (Quicksilver card) — Pay 1 low price ($69.95) for each service call which can include towing, jump-start, emergency fuel, lockout service, and tire changing. Terms apply.
  • Master RoadAssist (Venture card) — Take advantage of 24-hour toll-free assistance to help with services like towing, gas delivery, jumpstarts, and tire changes. Customer is responsible for any and all costs incurred
  • No Foreign Transaction Fees — Both of our featured cards travel well with no foreign transaction fees charged on your purchases.
  • Travel Assistance Services — Receive 24-hour assistance when you travel, including card replacement and assistance getting emergency cash.
  • Travel Accident Insurance — Receive up to $1,000,000 for covered loss of life or qualifying dismemberment as listed in the cards’ Guide to Benefits.

Hot Tip: We’re just scratching the surface! Review all of the benefits of the Quicksilver card in detail and see even more benefits of the Capital One Venture card in our helpful guides.

Shopping Benefits and Protections

Here is a sampling of shopping benefits and protections you’ll find on our featured cards.

  • Extended Warranty — Receive an extension of 1 to 2 years beyond the manufacturer’s warranty for eligible items purchased with your card. The length of the extension will depend on whether your card is issued as a Mastercard or Visa.
  • Purchase Protection — Eligible items and purchases with your card will receive coverage for damage and theft for 120 days from the purchase date. Coverage limits include $250 per claim, up to 4 claims per 12-month period.
  • Capital One Offers — Log in to your account and click through Capital One Offers for cash-back on purchases at select retailers.

The Quicksilver card, when issued as a Mastercard, will also include price protection. Purchase an eligible item with your card, and if you find the item advertised for less within 120 days from the purchase date, you could receive up to $250 per claim, for up to 4 claims per 12-month period.

Bottom Line: Travel and shopping benefits and protections will depend on whether your card is issued as a Mastercard or Visa. The source for the actual list of applicable benefits and protections received and the terms and conditions will be the specific card’s Guide to Benefits. 

Minimum Qualifications

Both of our featured cards recommend an excellent credit score (740 to 850). Capital One adds its own criteria to clarify that to qualify, an applicant “has never declared bankruptcy or defaulted on a loan, not been more than 60 days late on any credit card, loan, or medical bill in the last year, and has had a loan or credit card for 3 years or more with a credit limit above $5,000.”

Of course, the higher your score, the more likely you will be approved, but you can also find out in advance if you have card offers available to you. Potential card offers, including Capital One card offers, can be found by using the CardMatch tool. Using the tool is simple, risk-free, and no hard inquiry is done on your credit history. Enter some basic information and any offers waiting for you will be revealed.

Capital One also has its own version of the prequalification tool, but it requires you to submit more information than the CardMatch tool.

You’ll also want to know where your credit stands by obtaining a recent copy of your credit report and checking it for accuracy.

Alternative Cards To Consider

Capital One has a large collection of card offerings. To review some of the best Capital One cards available, we’ve put together this overview for comparing card options.

Capital One does a great job of offering credit card options for nearly every consumer and all levels of credit history. Depending on your objectives and spending habits, you may want to consider additional cards that could also be a fit for your situation.

Here are a few recommendations for alternatives to our featured cards.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth over $900 when redeemed through Chase Travel℠.
75,000 points
$1,500
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase TravelSM.
  • Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card is one of our favorite travel rewards cards because it earns valuable Ultimate Rewards points and comes with a long list of travel benefits. Travel benefits like primary car rental insurance, trip cancellation and interruption coverage, trip delay coverage, and baggage insurance mean you’ll travel with peace of mind.

You’ll also receive good value at redemption time, when points are worth 25% more when redeemed for travel via the Chase travel portal. Or, transfer to Chase travel partners for even greater potential value.

Chase Freedom Unlimited® or Chase Freedom Flex℠

Chase Freedom Unlimited®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

Chase Freedom Flex℠
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
  • No annual fee
Cons
    • 3% foreign transaction fees in U.S. dollars
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

If you’re looking for a no-annual-fee card that earns flexible rewards on every purchase you make, you’ll want to consider a card from Chase’s Freedom line. Either card partners well with Chase premium cards such as the Chase Sapphire Preferred card or Chase Sapphire Reserve® to deliver up to 50% more in value when redeeming transferred Ultimate Rewards points for travel.

Not sure which Freedom card is best for you? No worries, as we’ve done the legwork and offer our comparison of the Freedom Unlimited card and Freedom Flex card.

American Express® Gold Card

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

We like the everyday earning potential of the Amex Gold card. And while the card does have a moderate annual fee, U.S. supermarket purchases alone can net 100,000 Membership Rewards points each year (up to $25,000 in purchases with 4x earnings; 1x thereafter), which would be worth $2,200, by our valuations.

The card functions quite nicely as an everyday earning card, but also offers 3x earnings on airfare purchased directly with the airline or through AmexTravel.com, as well as flexible redemption options for travel.

Bottom Line: The Capital One Venture card and Quicksilver card offer simplified flat-rate earnings on every purchase plus several options for redeeming your rewards for travel. But if you have excellent credit, you will have a lot of great additional choices for travel rewards cards. 

Final Thoughts

While our 2 featured cards are similar, if you can accomplish the initial 1-year or 3-month minimum spending requirements, it may be worthwhile to secure the Capital One Venture card with its larger welcome bonus over the Quicksilver card. Check out this Capital One Venture 100k welcome offer to find out more.

However, on an ongoing basis, if you do not plan to spend more than $20,000 per year on the Capital One Venture card, the Quicksilver card could be a better choice for you.

Either card could serve you well, but if you have excellent credit, comparing travel rewards cards for the best fit makes sense.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

Which card is better, the Capital One Venture card or the Quicksilver card?

The Capital One Venture card currently comes with a much higher welcome bonus than the Quicksilver card. If you are able to complete the required minimum spending amount needed after card approval, the Capital One Venture card will generate initial greater earnings than the Quicksilver card.

The Capital One Venture card charges a $95 annual fee (rates & fees) while the Quicksilver card has no annual fee (rates & fees).

Always check for the current offers before applying for any card, as offers do change periodically.

Do Capital One miles expire?

Capital One miles do not expire as long as your card account is active.

Can I purchase flights with Capital One miles?

Capital One miles are not frequent flyer miles. However, you can transfer these miles to airline partners and use those airline frequent flyer miles to purchase award tickets.

You can use Capital One miles to purchase travel at the rate of 1 cent in value for each mile via Capital One Travel.

Does the Quicksilver card come with rental car coverage?

The Quicksilver card comes with car rental insurance. The MasterRental coverage is applicable when you pay for your rental car in full with your eligible card and decline the rental agency’s collision damage waiver coverage.

You will receive secondary coverage in your country of residence, requiring you to first file a claim with any other applicable insurance prior to card coverage being applied.

If you have no car insurance or your insurance does not cover you out of the country, coverage for collision, loss of use, and limited towing will be primary.

Additional terms and conditions apply.

Christine Krzyszton's image

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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