Chase Sapphire Reserve® vs. Capital One Quicksilver Secured 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 Secured Cash Rewards
Capital One
4.5
1.5% cash back on every purchase. No annual fee. $200 minimum deposit.
Full review →WealthSpott Verdict
Chase Sapphire Reserve® and Capital One Quicksilver Secured Cash Rewards are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Chase Sapphire Reserve®
Capital One Quicksilver
Annual Fee
$550/yr
$0 Best
Sign-up Bonus
60,000 points
None
Rewards Rate
1x-10x
1.5% on all purchases
Rewards Type
Points
Cash Back
0% Intro APR
N/A
None
Regular APR
22.49%-29.49% Variable Best
29.99%
Foreign Transaction Fee
None
—
Recommended Credit Score
720-850
No credit or rebuilding
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 Secured Cash Rewards
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