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.
This comparison aims to assist users in deciding between the Capital One Quicksilver Cash Rewards Credit Card and the IHG One Rewards Premier Business Credit Card. Both cards offer distinct features tailored to different spending habits and reward preferences.
The Capital One Quicksilver Cash Rewards Credit Card is designed for users seeking straightforward cash back rewards without the hassle of rotating categories. With no annual fee and a generous cash rewards structure, it appeals to everyday spenders who prefer simplicity.
The IHG One Rewards Premier Business Credit Card targets frequent travelers, especially those who often stay at IHG hotels. It offers a range of travel-related benefits, including bonus points on hotel stays and a free night each year, making it ideal for business travelers and hotel loyalty program enthusiasts.
Feature | Capital One Quicksilver Cash Rewards Credit Card | IHG One Rewards Premier Business Credit Card |
---|---|---|
Annual Fee | $0 | $99 |
Welcome Bonus | Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | Earn up to 200,000 Bonus Points (140,000 after $4,000 spent in 3 months; 60,000 after $9,000 spent in 6 months) |
Rewards Structure | Unlimited 1.5% cash back on every purchase; 5% on hotels and rental cars booked through Capital One Travel | Up to 26 points per $1 spent at IHG Hotels; 5 points on travel, gas, select advertising, and restaurants; 3 points on all other purchases |
Foreign Transaction Fee | $0 | $0 |
Other Fees | No annual fee; balance transfer fee applies | $99 annual fee |
Additional Benefits | No expiration on cash back; no rotating categories | Anniversary Free Night; Global Entry/TSA PreCheck credit; Automatic Platinum Elite status |
The Capital One Quicksilver Cash Rewards Credit Card is ideal for everyday spenders who want a straightforward cash back option without worrying about categories or fees. It’s perfect for individuals who prefer cash rewards and do not frequently travel.
The IHG One Rewards Premier Business Credit Card is best suited for travelers who regularly stay at IHG properties and want to maximize their rewards through hotel points. It is especially advantageous for those who can benefit from the annual free night and travel-related perks.
Ultimately, choosing between the Capital One Quicksilver Cash Rewards Credit Card and the IHG One Rewards Premier Business Credit Card depends on your personal spending habits and financial goals. Consider how often you travel, where you spend your money, and whether you prefer cash back or travel rewards to make an informed decision.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
“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.”