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All comparisons
Head-to-head, 2026

Capital One QuicksilverOne Rewards Chase Sapphire Reserve

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×Hotels, rental cars, and vacation rentals
  • 5×Capital One Entertainment purchases
  • 1.5×Every purchase

Key benefits

  • $0 Fraud Liability · $0
  • No foreign transaction fees · $0
  • Capital One Travel price match · $0
  • 50% off Capital One Café beverages · $0
  • Automatic credit line review · $0
Full Capital One QuicksilverOne Rewards review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150
  • 8×Chase Travel purchases
  • 5×Lyft rides
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • Emergency Evacuation and Transportation · $100000
  • 24-Hour Travel Accident Insurance · $100000
  • Auto Rental Coverage · $75000
  • Trip Cancellation and Interruption Insurance · $10000
Full Chase Sapphire Reserve 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.

Get my personal answer