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All comparisons
Head-to-head, 2026

Capital One QuicksilverOne Rewards Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Capital One QuicksilverOne Rewards

Capital One

QuicksilverOne Rewards

Annual fee
$39
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 5×travel · Capital One Cash Back
  • 1.5×all other purchases · Capital One Cash Back

Key benefits

  • Automatic Credit Line Reviews · $100
  • Auto Rental Collision Damage Waiver · $50
  • CreditWise Credit Monitoring · $30
  • No Foreign Transaction Fees · $30
  • 24-Hour Travel Assistance Services · $10
Full Capital One QuicksilverOne Rewards review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
Full Chase Sapphire Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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