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Capital One QuicksilverOne vs Ink Business Unlimited: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- Capital One QuicksilverOne Cash Rewards Credit Card: This card is ideal for everyday spending across all categories for those looking to build their credit.
- Ink Business Unlimited® Credit Card: This business card is a great fit for business owners who have diverse spending that doesn't fall into specific categories.
Capital One QuicksilverOne Cash Rewards Breakdown
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Why We Like It
Here's a closer look at what makes this card a compelling option.
- It’s designed for those with fair or average credit, offering a clear path to earning rewards while building a stronger credit history.
- The Capital One QuicksilverOne Cash Rewards Credit Card features a simple, flat-rate cash back structure, so you don't have to track rotating categories.
- It's a practical choice for international travel since it doesn't charge foreign transaction fees.
Pros
- Automatic credit line reviews can help you build your credit over time.
- Cash back rewards are earned for the life of the account.
- Cardholders get access to exclusive entertainment experiences and VIP packages through Capital One Entertainment.
Cons
- Unlike many competing cashback cards, this one comes with an annual fee.
- New cardholders won't receive a welcome bonus or an introductory APR offer.
- It lacks the premium perks and extensive benefits, such as travel protections, that come with higher-tier cards.
Ink Business Unlimited® Breakdown
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Why We Like It
This section breaks down why we like the Ink Business Unlimited® Credit Card.
- It offers a simple, flat-rate rewards structure, making it easy to earn on every business purchase without tracking categories.
- The Ink Business Unlimited® Credit Card provides valuable business benefits and protections without charging an annual fee.
- Business owners can take advantage of a generous welcome offer and add employee cards at no additional cost.
Pros
- The straightforward rewards program earns cash back on all business spending without any bonus categories to track.
- Includes valuable travel and purchase protections on eligible items.
- Business owners can issue employee cards and set custom spending limits for each one.
Cons
- Foreign transaction fees apply, making it less suitable for international business.
- The card’s full rewards potential is only unlocked when paired with a premium Chase travel card.
- Chase’s strict application rules can make it challenging for some business owners to get approved.
Ink Business Unlimited® vs Capital One QuicksilverOne Cash Rewards
Categories
Deciding which is better, Capital One QuicksilverOne or Ink Business Unlimited, depends entirely on your spending needs and financial profile. One card is designed for personal use and credit building, while the other caters specifically to business expenses.
- Capital One QuicksilverOne Cash Rewards Credit Card is best for individuals with average credit who want a simple card for everyday spending. It's also a solid choice for international travelers and those looking to build their credit history.
- Ink Business Unlimited® Credit Card is designed for business owners, freelancers, and side hustlers who need a straightforward card for business expenses. It's ideal for companies with varied spending that doesn't fall into specific bonus categories.
Redemption
Capital One QuicksilverOne Cash Rewards Credit Card: Rewards are earned as cash back, which you can redeem at any time and for any amount. You can receive your cash back as a statement credit or a check, offering a simple and direct way to access your earnings.
Ink Business Unlimited® Credit Card: This card earns points that offer flexible redemption options, including cash back, gift cards, and travel booked through Chase. These points can also be pooled with other eligible Chase cards, potentially increasing their value.
Compare Top Rated Credit Cards with Kudos
To make the best choice based on your actual spending, a tool like Kudos allows you to compare cards and project your potential earnings before you apply.
- Test drive credit cards: The platform’s standout feature lets you simulate how much you’d earn with a new card by analyzing your real transaction history, giving you a personalized earnings projection without a hard credit pull.
- Welcome offer guarantee: If you find a better public welcome offer for a card you got through Kudos within three months, Kudos will match it.
- Approval odds analysis: Get a detailed breakdown of your chances of being approved for a card based on your credit report.
- Stack rewards: Earn extra rewards through Kudos Boost when shopping online, on top of what your credit card already offers.
- Unlock bonuses: New members can earn a $20 bonus with a promo code and an eligible purchase, plus unlock a $100 Kickstart+ reward for adding select approved cards to their Kudos Wallet.
Who Should Choose the Capital One QuicksilverOne Cash Rewards?
The Capital One QuicksilverOne Cash Rewards credit card is an excellent choice for individuals with average credit scores, typically between 580-670, who are looking to build or rebuild their credit history. It's particularly well-suited for those who value simplicity, offering a flat, unlimited 1.5% cash back on every purchase without the hassle of rotating categories. Additionally, frequent travelers will appreciate the lack of foreign transaction fees, making it a practical option for spending abroad.
Who Should Choose the Ink Business Unlimited®?
The Ink Business Unlimited® Credit Card is an excellent choice for sole proprietors, freelancers, and small business owners seeking a straightforward, no-annual-fee card. It’s particularly well-suited for businesses with varied spending that doesn't fit neatly into specific bonus categories, as noted in a Kudos review. This card simplifies earning rewards by offering unlimited 1.5% cash back on every purchase, making it a great tool for separating business expenses and providing employee cards at no additional cost.
Alternatives to Consider
If this Capital One QuicksilverOne vs Ink Business Unlimited comparison has shown you that neither card is the perfect match for your business, don't worry. Let's look at a few other alternatives that might be a better fit.
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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.
Tips for Application Success
Before You Apply
- Check your credit score – Know where you stand, as most premium cards require good to excellent credit.
- Review application rules – Be aware of issuer-specific policies like Chase’s 5/24 rule or Amex’s once-per-lifetime limits.
- Plan your spending – Make sure you can naturally meet any minimum spending requirements for a welcome offer.
Application Strategy
- Search strategically for offers – Don’t settle for a lower welcome bonus, as they can vary across different platforms and browsers.
- Match cards to your credit profile – Focus on products designed for your credit score, such as the Capital One QuicksilverOne for those with average credit.
- Be mindful of issuer rules – Track your applications to stay compliant with policies like Chase's 5/24 rule when applying for cards like the Ink Business Unlimited®.
Our Methodology
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.
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
Can I get the Chase Ink Business Unlimited® Credit Card without a formal business?
Yes, you can often qualify for business credit cards as a sole proprietor using your Social Security Number instead of an Employer Identification Number (EIN). Many freelancers, gig workers, and individuals with a side hustle may be eligible for cards like the Chase Ink Business Unlimited® Credit Card.
Can I use a business credit card for personal purchases?
It is a best practice to keep your business and personal spending separate for easier bookkeeping and tax filing. Mixing the two can create accounting complications and potentially undermine the liability protections offered by a business card.
Do both the QuicksilverOne and Ink Business Unlimited have an annual fee?
The Capital One QuicksilverOne Cash Rewards Credit Card has an annual fee, whereas the Chase Ink Business Unlimited® Credit Card does not. Always confirm current card terms and fees directly with the issuer before applying.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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