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Compare the Features and Benefits of Capital One Quicksilver Cash Rewards Credit Card and
Chase Ink Business Unlimited® Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
0% Intro APR on Purchases
Extended Warranty
Unique Card Benefits
0% Intro APR on Balance Transfers
No Foreign Transaction Fees
Secondary Car Rental CDW Waiver
Trip Protections
Free Access to Credit Score
Primary Car Rental CDW Waiver
Purchase Protection
Does Not Report Credit Line to Personal Credit Profile
Roadside Assistance
Travel and Emergency Assistance Services
No Fees for Authorized Users
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 19.99%-29.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 19.99%-29.99% thereafter)
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance transfer fee applies
Best Multiplier
5x Car Rentals

Only when booked via the Capital One Travel Portal; otherwise earn 1.5X miles per dollar.

5x Hotels

Only when booked via the Capital One Travel Portal; otherwise earn 1.5X miles per dollar.

1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Get a $200 cash bonus when you spend $500 in your first 3 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Capital One Quicksilver Cash Rewards Credit Card is perfect for someone that wants a simple cash back card (no need to remember which card to use for which bonus category and does a lot of international travel. While the Citi Double Cash card earns 2% cash back on everything, the Double Cash carries a foreign transaction fee of 3% of your purchase.

With Quicksilver, you will never pay any foreign transaction fees or annual fees, and you’ll earn a simple 1.5% cash back on everything. If you book travel via the Capital One Travel portal, you’ll earn 5% on hotels and rental cars (1.5% if booked outside of Capital One Travel).

Capital One Quicksilver

Plus, you’ll get a small cash bonus when you meet the terms of the Early Spend Bonus with your new Quicksilver card.

You’ll also get 6 months of Uber One, which at $9.99 a month, is worth almost $60. Not bad when you’re not paying an annual fee!

PRO TIP:

If you have another credit card which earns Capital One Miles, like the Capital One Venture X, Capital One Venture, Capital One VentureOne, or Capital One Spark Miles for Business, you can transfer your cash from your Quicksilver to those cards, turning them into Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

Here’s a list of Capital One Miles airline and hotel transfer partners

Capital One Miles
Transfer RatioExpected Transfer Time
Air Canada (Aeroplan)1:1Instant
Air France / KLM Flying Blue1:1Instant
Avianca Lifemiles1:1Instant
Aeromexico1:1Instant
British Airways Avios1:1TBD
Cathay Pacific Asia Miles1:1Nearly instant
Choice Hotels1:11 day
Emirates Skywards1:1Instant
Etihad Guest1:11-2 days
Finnair1:1Instant
Qantas1:11-2 days
Singapore Airlines KrisFlyer1:11-2 days
TAP Air Portugal1:1TBD
Turkish Airlines Miles&Smiles1:1TBD
Wyndham Rewards Hotel Program1:1Instant
EVA2:1.51-2 days
Accor Live Limitless (ALL) Hotel Program2:11-2 days
Virgin Red1:1TBD
Read more
0% Intro APR on Purchases
yes
Extended Warranty
yes
Unique Card Benefits
yes
0% Intro APR on Balance Transfers
yes
No Foreign Transaction Fees
yes
Secondary Car Rental CDW Waiver
yes
Trip Protections
yes
Free Access to Credit Score
yes
Primary Car Rental CDW Waiver
no
Purchase Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
No Fees for Authorized Users
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
APR on balance transfers
-
Ongoing APR
18.49%-24.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Lyft
1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Get $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

If you are a small business owner, I strongly recommend that you carry all three Chase Ink credit cards: the Chase Ink Business Unlimited® Credit Card (this card!), the Chase Ink Business Preferred®, and the Chase Ink Business Cash®.

They all work together as what we refer to as a Chase business credit card “Trifecta.” The Chase Ink Preferred® allows you to transfer points to Chase’s Ultimate Rewards airline and hotel partners like United, Hyatt, and British Airways.

But then it makes sense to also get the Ink Business Cash credit card and Chase Ink Business Unlimited credit card to maximize your total earnings on bonus categories – since all points can be combined to your Ink Preferred.

Here, with the Chase Ink Business Unlimited credit card, it is your “default” card for your business spend. What I mean by that is that if the purchase you are making isn’t in a bonus category on your other cards, you would put the charge on the Ink Unlimited for 1.5X Ultimate Rewards points. This way you are never, ever getting less than 1.5% back on your business purchases.

There is no limit to how many Ultimate Rewards points you can earn on the Chase Ink Business Unlimited credit card, all at the 1.5X multiplier.

However, it is very important to know is that although this card states that you are earning cash back, that is only if you don’t also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card.

Yes, you are earning Chase Ultimate Rewards points with the Chase Ink Business Unlimited credit card.

But without one of the above credit cards, your only redemption option is to cash out your points for 1 cent per point, meaning that, on its own, it’s a cash back card and the points have an actual cash value of 1 cent each.

chase-ink-business-unlimited-credit-card

Assuming you do have an Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card in your wallet, however, you’ll be able to move your points from your Ink Business Unlimited card to any of those other 3 cards, where you will be able to transfer to airline and hotel partner programs like United and Hyatt – or redeem for travel via the Chase Ultimate Rewards portal where your points are worth either 1.25 or 1.5 cents each, depending on which card you have.

The Ink Preferred and Sapphire Preferred offer 1.25 cents a point while the Sapphire Reserve (with its $550 annual fee) gives you 1.5 cents per point when booking travel in the Ultimate Rewards portal.

The bottom line is that the Chase Ink Unlimited is simply a staple in the Chase Ink family of business credit cards. It backs up the Preferred and Cash with that 1.5% “floor” on rewards – and all with no annual fee.

When using our bonus spend calculator on this card, you’ll notice we ask you if you also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card. That’s because, if you do, we’ll increase the value of rewards on this card from 1 cent to 1.75 cents accordingly accounting for the ability to utilize Chase’s point transfer partners.

Please note: you must be under 5/24 (more on the Chase 5/24 rule) to apply for this card and you cannot apply for more than one Chase Business card in any 30 day period. You can apply for a maximum of two Chase cards within 30 days, with only, at most, 1 of them being a Chase Ink business card (or any Chase business card).

Read more
0% Intro APR on Purchases
yes
Extended Warranty
yes
Unique Card Benefits
no
0% Intro APR on Balance Transfers
no
No Foreign Transaction Fees
no
Secondary Car Rental CDW Waiver
no
Trip Protections
no
Free Access to Credit Score
no
Primary Car Rental CDW Waiver
yes
Purchase Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes

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