Search Credit Card Offers
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.
American Express® Gold Card vs Capital One Quicksilver Cash Rewards Credit Card
This comparison aims to help users decide between the American Express® Gold Card and the Capital One Quicksilver Cash Rewards Credit Card. Both cards offer distinct benefits tailored to different spending habits and financial goals.
Card Overviews
American Express® Gold Card
The American Express® Gold Card is designed for foodies and frequent travelers. With a higher annual fee, it offers robust rewards on dining and supermarket purchases, making it ideal for those who prioritize dining out and grocery shopping.
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is a no-annual-fee card that appeals to casual spenders seeking straightforward cash back. With generous rewards on all purchases and no foreign transaction fees, it suits those who prefer simplicity and flexibility.
Detailed Feature Comparison
| Feature | American Express® Gold Card | Capital One Quicksilver Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $325 | $0 |
| Welcome Bonus | 60,000 Membership Rewards® Points after spending $6,000 | $200 cash bonus after spending $500 |
| Rewards Structure | 4X points on restaurants and supermarkets, 3X on flights, 2X on hotels, 1X on other purchases | 1.5% cash back on every purchase, 5% on Capital One Travel |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | Terms apply | Balance transfer fee applies |
| Additional Benefits | Uber Cash, Dining Credits, Hotel Collection perks | No rotating categories, cash back doesn't expire |
Rewards Highlights
American Express® Gold Card
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Capital One Quicksilver Cash Rewards Credit Card
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.
- Earn unlimited 1.5% cash back on every purchase, every day.
Pros and Cons
American Express® Gold Card
- Pros:
- High rewards on dining and groceries.
- Generous welcome bonus.
- Additional benefits like Uber Cash and dining credits.
- Cons:
- High annual fee.
- Requires significant spending to unlock full benefits.
Capital One Quicksilver Cash Rewards Credit Card
- Pros:
- No annual fee.
- Simple cash back rewards structure.
- Good for casual spenders.
- Cons:
- Lower rewards rate on dining and groceries compared to competitors.
- Limited additional benefits.
Who Should Consider Which Card?
- The American Express® Gold Card is ideal for individuals who frequently dine out and shop at supermarkets, and who can take advantage of the various credits and rewards offered.
- The Capital One Quicksilver Cash Rewards Credit Card is better suited for users who want a no-fuss cash back experience with no annual fee, and who prefer a straightforward rewards structure.
Conclusion
When choosing between the American Express® Gold Card and the Capital One Quicksilver Cash Rewards Credit Card, consider your spending habits and financial goals. Each card offers unique advantages that cater to different lifestyles, so identify what matters most to you before making a decision.