Chase Sapphire Reserve® vs. Capital One Quicksilver Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
Full review →
Capital One Quicksilver Cash Rewards
Capital One
4.5
1.5% cash back on every purchase. No annual fee. No foreign transaction fee.
Full review →WealthSpott Verdict
Capital One Quicksilver Cash Rewards wins on more measurable categories — particularly annual cost. Chase Sapphire Reserve® may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Reserve®
Capital One Quicksilver
Annual Fee
$550/yr
$0 Best
Sign-up Bonus
60,000 points
$200
Rewards Rate
1x-10x
1.5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
22.49%-29.49% Variable
19.99%-29.99% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
720-850
670-850
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
Capital One Quicksilver Cash Rewards
Pros
- 1.5% cash back on every purchase
- No annual fee and no foreign transaction fee
- 0% intro APR for 15 months
Cons
- No bonus categories for heavy spenders
- 1.5% rate trails the best flat-rate cards at 2%
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