Chase Freedom Flex® Card
vs. Capital One QuicksilverOne Cash Rewards Credit Card

The Chase Freedom Flex® Card and the Capital One QuicksilverOne Cash Rewards Credit Card offer enticing cash back rewards, but the Freedom Flex edges ahead with its higher cash back score and no annual fee.

The QuicksilverOne should not be overlooked, especially for if you have a lower credit score because it offers a flat cash back rate on all purchases and the opportunity for a higher credit line. Although the Freedom Flex provides a $200 bonus and 0% intro APR for 15 months, the QuicksilverOne's lower credit requirement makes it more accessible to a broader range of consumers.

You might prefer the Freedom Flex if you have good to excellent credit and are looking for a card with no annual fee that offers high rewards in rotating categories and a generous sign-up bonus. Its 0% intro APR for 15 months on purchases and balance transfers can also be a significant benefit if you're planning a large purchase or want to move a balance from another card.

You might prefer the QuicksilverOne if you have fair to good credit and are seeking a straightforward rewards card. It offers a flat 1.5% cash back on all purchases and the potential for a higher credit line after six months. Although there is an annual fee, this card can be a tool for building credit while earning rewards.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if avoiding annual fees is a priority, the Freedom Flex stands out, whereas consistent rewards on all purchases make QuicksilverOne appealing.

The Freedom Flex card stands out with its 5% cash back on rotating categories, which can be highly rewarding if your spending aligns with those categories. It also offers 3% back on dining and drugstore purchases, and 5% on travel booked through Chase Travel, making it a strong contender if you dine out frequently or travel. However, it requires activation and tracking of the rotating categories, which may be a drawback for some users.

The QuicksilverOne, with its flat 1.5% cash back on all purchases, is simpler and more straightforward. While it doesn't offer the higher reward rates of the Freedom Flex in certain categories, it's consistent across the board. Its most compelling bonus category is the 5% back on hotels and rental cars booked through Capital One Travel, which can be beneficial for frequent travelers.

If you prefer simplicity and a solid rate on all purchases, the QuicksilverOne is appealing. But for maximizing rewards in specific categories, the Freedom Flex may be the better option, especially if you’re willing to keep track of the rotating categories.

The table provides a detailed comparison of the bonus categories for each card.

The QuicksilverOne offers simplicity with its cash back that doesn't expire and lacks specific redemption categories. But the Freedom Flex provides a variety of redemption options, from cash to travel, with varying values. Neither card imposes expiration on rewards as long as the account remains open, ensuring that the rewards you earn are yours to use whenever you decide.

MoneyGeek evaluates credit cards like Freedom Flex and QuicksilverOne for various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.

All information about the Chase Freedom Flex has been collected independently by Moneygeek.com and has not been reviewed by the issuer.