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Chase Freedom Rise vs Capital One Quicksilver Student

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: Chase Freedom Rise 51.4%, Capital One Quicksilver Student 62.9%.

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

Criterion scores (0–10)

• Annual feeRise: 10.0 · Student: 10.0
• Rewards rateRise: 6.0 · Student: 6.0
• Sign-up bonusRise: n/a · Student: 0.7
• Intro 0% APRRise: 0.0 · Student: 0.0
• Regular APRRise: 6.3 · Student: 7.3
• Foreign transaction feeRise: 3.0 · Student: 10.0
• Regulatory record (CFPB)Rise: 10.0 · Student: 10.0

Downsides

• 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

• 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

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, Chase Freedom Rise or Capital One Quicksilver Student?

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.