Capital One Quicksilver vs Ink Business Unlimited: Which Is Better In 2026?

Ink Business Unlimited® Breakdown

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Why We Like It

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Here’s a closer look at why we’re fans of the Ink Business Unlimited® Credit Card.

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• Its simple, flat-rate cash back program applies to all purchases, removing the need to track spending categories.
• The card offers valuable travel and purchase protections without an annual fee.
• You can add employee cards at no extra cost, which helps with tracking and managing team expenses.

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Pros

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• Its flat-rate rewards program simplifies earning, with no need to track spending categories.
• The card includes valuable travel and purchase protections.
• Reward redemption is flexible, with options for cash back, travel, and more.

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Cons

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• Foreign transaction fees apply, making it less suitable for purchases outside the U.S.
• It’s subject to Chase’s application rules and requires a good-to-excellent credit history for approval.
• The value of rewards is best maximized when paired with a premium Chase credit card.

Ink Business Unlimited® vs Capital One Quicksilver Cash Rewards

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Categories

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When deciding which is better, Capital One Quicksilver or Ink Business Unlimited, it's crucial to understand that each card is designed for a different type of spender. One is tailored for personal use, while the other is built for business expenses.

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• Capital One Quicksilver Cash Rewards Credit Card - This card is best for users seeking a simple, flat-rate cash back card for everyday personal spending. It's a strong choice for those who prefer not to track rotating categories and for travelers.
• Ink Business Unlimited® Credit Card - This card is built for business owners who want simple, flat-rate rewards on all business purchases. It is particularly well-suited for businesses with varied spending patterns that do not fit into specific bonus categories.

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Redemption

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Capital One Quicksilver Cash Rewards Credit Card: Rewards redemption is straightforward, with options to receive your cash back as a statement credit or a check. You can also redeem rewards for gift cards or to cover recent purchases.

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Ink Business Unlimited® Credit Card: This card earns points that provide flexible redemption options beyond simple cash back. Points can be redeemed for travel through the issuer's portal or transferred to airline and hotel loyalty programs.

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Compare Top Rated Credit Cards with Kudos

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To make a data-backed decision, you can use a tool like Kudos, which helps you compare nearly 3,000 credit cards based on your personal spending habits.

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• Test drive a card before you apply. Using your actual spending data, Kudos can simulate your potential earnings with a new card to give you a personalized projection of its value—all without a hard credit pull.
• Receive a detailed analysis of your approval odds for different cards based on your credit report.
• Get a welcome offer guarantee. If you find a better public offer within three months of applying through Kudos, the platform will match it.
• Unlock a $100 Kudos Kickstart+ reward for adding select approved cards to your Kudos Wallet.
• Earn extra rewards through Kudos Boost, which stack on top of your regular card rewards when you shop at participating stores.
• Track your progress toward earning a new card’s welcome offer to ensure you don’t miss out on the bonus.

Who Should Choose the Capital One Quicksilver Cash Rewards?

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The Capital One Quicksilver Cash Rewards Credit Card is an excellent choice for the straightforward spender who values simplicity over complex reward structures. This card is ideal for those who want to earn a flat cash back rate on all their purchases without the hassle of tracking rotating categories or worrying about an annual fee. It's also particularly well-suited for frequent travelers, thanks to its lack of foreign transaction fees, and for regular Uber users who can benefit from its complimentary Uber One membership.

Who Should Choose the Ink Business Unlimited®?

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The Ink Business Unlimited® Credit Card is an excellent choice for sole proprietors, freelancers, and small business owners who value simplicity and want to avoid annual fees. It's particularly well-suited for businesses with varied spending patterns that don't align with specific bonus categories, as it offers a straightforward, unlimited 1.5% cash back on every purchase. Additionally, companies looking to issue employee cards at no extra cost or simply separate business and personal expenses will find this card to be a practical and rewarding tool.

Alternatives to Consider

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If our comparison of the Capital One Quicksilver Cash Rewards and the Ink Business Unlimited® has you feeling like neither card is the right fit, don't worry. There are several other excellent cash-back cards to consider.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score:Most rewards cards require a good to excellent credit history for approval.
• Plan your spending:Ensure you can comfortably meet any minimum spending requirement for a welcome offer.
• Review issuer rules:Be aware of any application restrictions, like Chase's 5/24 rule, before you apply.

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Application Strategy

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• Know the issuer's rules:Some issuers have specific application rules, like Chase's 5/24 rule, that could affect your approval.
• Choose the right card type:Decide if a personal card or a business card, like the Ink Business Unlimited®, best fits your spending habits.
• Consider card pairings:Some cards offer greater value when paired with others from the same issuer to enhance rewards.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I get the Chase Ink Business Unlimited if I don't have a registered business?

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Yes, you can often qualify for business cards like the Ink Business Unlimited as a sole proprietor using your Social Security Number. This includes freelancers, gig workers, and those with side hustles.

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Which card is better for international travel?

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The Capital One Quicksilver is generally better for international travel because it has no foreign transaction fees. The Chase Ink Business Unlimited typically charges a fee on purchases made outside the United States.

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Can I combine rewards from the Ink Business Unlimited with other Chase cards?

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Yes, the cash back earned from the Ink Business Unlimited is awarded as Chase Ultimate Rewards points, which can be combined with points from other Chase cards like the Chase Sapphire Preferred® Card. This can potentially increase their value when redeemed for travel.

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