Just hoping someone's already done the math on this. For example, American express platinum is 175k but if you just want cash value without any other hassle it's 0.6 per point, so $1050. Then subtract the annual fee of $895 and you're at just $155. I realize I'm not maximizing by not pursuing all the other benefits, but just want to start with simple cash.

Hey everyone,

I'm trying to decide between two credit cards and could use some advice.

On one hand, the Capital One Quicksilver offers $300 sign-up bonus after spending $500 in the first three months, which is really tempting. The card also has 1.5% cash back on all purchases, no annual fee, and no foreign transaction fees.

On the other hand, the Chase Freedom Unlimited seems to have better long-term perks. It offers 1.5% cash back on all purchases, plus 3% on dining and drugstores, and 5% on travel booked through Chase. There's also no annual fee, and I like the idea of being able to transfer points if I get other Chase cards in the future.

I'm leaning towards the Quicksilver for the bonus, but I'm wondering if I'd be better off with the Freedom Unlimited for its broader rewards program and potential flexibility down the line. Plus I do already have a 1.5% back card through a local credit union.

Any advice or personal experiences would be super helpful!

Thanks!

Edit: Chase freedom unlimited does have a $200 sub after $500 spent, also been seeing double % cash back for the first year (ie: 3% on everything else, 6% at drug stores. Up to $200 back)