Blue Cash Everyday® Card from American Express vs Capital One Quicksilver Cash Rewards Credit Card

This comparison aims to assist users in deciding between the Blue Cash Everyday® Card from American Express and the Capital One Quicksilver Cash Rewards Credit Card. Both cards offer unique features and benefits tailored to different spending habits, making it essential to analyze them closely.

Card Overviews

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is designed for individuals who frequently shop at U.S. supermarkets and online retailers. With no annual fee and a robust cash-back rewards structure, this card is ideal for those looking to maximize their everyday spending.

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is perfect for users seeking a straightforward rewards program with unlimited cash back on every purchase. This card is particularly beneficial for travelers, as it has no foreign transaction fees and offers enhanced rewards on travel bookings through Capital One.

Detailed Feature Comparison

Rewards Highlights

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

Blue Cash Everyday® Card from American Express

• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• 1% Cash Back on other purchases.

Pros and Cons

Blue Cash Everyday® Card from American Express

• Pros:
• No annual fee
• High cash back rates at supermarkets, online retailers, and gas stations
• Significant welcome bonus
• Cash back can be redeemed in multiple ways
• Additional credits for subscriptions and meal kits

• Cons:
• Higher spend required for welcome bonus
• Cash back limited to certain categories

Capital One Quicksilver Cash Rewards Credit Card

• Pros:
• No annual fee
• Unlimited cash back on all purchases
• Strong rewards for travel bookings
• No expiration on cash rewards

• Cons:
• Lower cash back rates on everyday purchases compared to category-specific cards
• Balance transfer fee applies

Who Should Consider Which Card?

The Blue Cash Everyday® Card from American Express is well-suited for individuals who frequently shop at U.S. supermarkets and want to earn cash back on everyday purchases. It’s ideal for families or those who spend significantly on groceries.

On the other hand, the Capital One Quicksilver Cash Rewards Credit Card is perfect for users who prefer a simple, no-fuss rewards structure with cash back on every purchase. This card is an excellent choice for travelers due to its travel-related cash back benefits and no foreign transaction fees.

Conclusion

Ultimately, both the Blue Cash Everyday® Card from American Express and the Capital One Quicksilver Cash Rewards Credit Card have unique features that cater to different types of users. Consider your own spending habits and financial goals to determine which card aligns best with your lifestyle.

“Disclaimer: Opinions expressed here are the author's 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.”