Capital One Quicksilver Student vs Chime Credit Builder Visa®
Side-by-side comparison
| Capital One Quicksilver Student | Chime Credit Builder Visa® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $100 cash bonus | No current offer |
| Dining | 1.5x | 2x |
| Groceries | 1.5x | 2x |
| Gas | 1.5x | 2x |
| Travel | 1.5x | 2x |
| Streaming | 1.5x | 1x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $437 | $421 |
| Points type | Pools with Capital One → transferable | Cash back only |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Capital One Quicksilver Student | Chime Credit Builder Visa® |
|---|---|---|
| Welcome bonus | $100 cash bonus | None |
| To earn it | $300 in 3 months | No minimum spend |
| Est. first-year value* | $537 | $421 |
| Est. ongoing value / yr* | $437 | $421 |
The Capital One Quicksilver Student wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Capital One Quicksilver Student | Chime Credit Builder Visa® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable (paired with a premium card) | Cash back only |
On perks and redemptions, the Capital One Quicksilver Student earns transferable points with a higher redemption ceiling, while the other is capped nearer a flat cent. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Only the Capital One Quicksilver Student earns transferable points. Its Capital One miles move to Air Canada, Avianca LifeMiles, Turkish, British Airways, and Emirates, where a point can be worth several cents on a premium-cabin redemption, far above its cash value. The Chime Credit Builder Visa® pays flat cash back, worth about a cent, so its ceiling is nearer a penny per point no matter how you redeem.
The verdict
On a typical year of household spending, the Capital One Quicksilver Student earns about $437 a year in rewards and the Chime Credit Builder Visa® about $421, valuing every point at a flat 1 cent. The Capital One Quicksilver Student has no annual fee, so its rewards are all profit. The Chime Credit Builder Visa® has no annual fee, so its rewards are all profit. These two are about as close as cards get: their category rates line up almost exactly, neither charges an annual fee, and on that spending they finish within $16 of each other. The choice is not really about the rewards rate. The bigger difference is the ceiling: the Capital One Quicksilver Student earns points you can move to travel partners for outsized value, while the Chime Credit Builder Visa® pays plain cash back. Favor the Capital One Quicksilver Student if you will use travel transfers, the Chime Credit Builder Visa® if you want simplicity. One tiebreaker: the Capital One Quicksilver Student adds no foreign transaction fees, which the other does not. On the sign-up bonus, the Capital One Quicksilver Student currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.