Capital One Quicksilver Student vs Ink Business Unlimited®
Side-by-side comparison
| Capital One Quicksilver Student | Ink Business Unlimited® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $50 cash bonus | |
| Advertising | 1.5% | 1.5% |
| Shipping | 1.5% | 1.5% |
| Office supplies | 1.5% | 1.5% |
| Phone & internet | 1.5% | 1.5% |
| Travel | 1.5% | 1.5% |
| Everything else | 1.5% | 1.5% |
| Est. yearly rewards* | $675 | $675 |
| Points type | Pools with Capital One → transferable | Pools with Chase → transferable |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Capital One Quicksilver Student earns about $675 a year in rewards and the Ink Business Unlimited® about $675, valuing every point at a flat 1 cent. The Capital One Quicksilver Student has no annual fee, so its rewards are all profit. The Ink Business Unlimited® has no annual fee, so its rewards are all profit. These two are about as close as cards get: both pay a flat 1.5x on everything, neither charges an annual fee, and on that spending they finish within a few dollars of each other. The choice is not really about the rewards rate. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Capital One for the Capital One Quicksilver Student, Chase for the Ink Business Unlimited®. On the sign-up bonus, the Ink Business Unlimited® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.