Home › Credit cards › Compare › Capital One Quicksilver Student vs Chase Freedom Rise

Capital One Quicksilver Student vs Chase Freedom Rise

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Capital One Quicksilver Student leads by 11.5 pts. Scores: Capital One Quicksilver Student 62.9%, Chase Freedom Rise 51.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Quicksilver Student nets $346/yr, Chase Freedom Rise nets $346/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeStudent: 10.0 · Rise: 10.0
• Rewards rateStudent: 6.0 · Rise: 6.0
• Sign-up bonusStudent: 0.7 · Rise: n/a
• Intro 0% APRStudent: 0.0 · Rise: 0.0
• Regular APRStudent: 7.3 · Rise: 6.3
• Foreign transaction feeStudent: 10.0 · Rise: 3.0
• Regulatory record (CFPB)Student: 10.0 · Rise: 10.0

Downsides

• Capital One Quicksilver Student62.9%
  Capital One · student
  Annual fee $0APR 18.74%–28.74% variableRewards Unlimited 1.5% cash backCredit Student

  ⚠ APR up to 28.74% if you carry a balance · Late fee up to $40

• Chase Freedom Rise51.4%
  Chase · student
  Annual fee $0APR 25.24% variableRewards 1.5% baseCredit no credit score (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · Penalty APR up to 29.99% · Late fee up to $40

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Capital One Quicksilver Student or Chase Freedom Rise?

On VaultRubric's rubric: Capital One Quicksilver Student scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.