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Capital One Quicksilver Cash Rewards Credit Card vs Ink Business Cash® Credit Card
This comparison aims to assist users in deciding between the Capital One Quicksilver Cash Rewards Credit Card and the Ink Business Cash® Credit Card. Both cards offer unique benefits tailored to different spending habits and needs.
Card Overviews
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is designed for everyday consumers who want straightforward cash back rewards without the hassle of rotating categories or spending limits. With a $0 annual fee, it is an attractive option for those looking to maximize their cash back on all purchases.
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card targets small business owners seeking to earn rewards on their business-related purchases. This card offers a robust rewards structure with cash back on specific categories, making it ideal for businesses that frequently spend on office supplies, internet, and phone services.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Cash Rewards | Ink Business Cash® Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Welcome Bonus | Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months | Earn $350 after spending $3,000 in the first three months; additional $400 after spending $6,000 in the first six months |
| Rewards Structure | 1.5% cash back on every purchase; 5% on hotels and rental cars booked through Capital One Travel | 5% cash back on first $25,000 spent at office supply stores and on internet, cable and phone services; 2% at gas stations and restaurants; 1% on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Balance transfer fee applies | None |
| Additional Benefits | No expiration on cash back, no rotating categories | Zero Liability on unauthorized charges |
Rewards Highlights
- 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
Capital One Quicksilver Cash Rewards Credit Card
- Pros:
- Simple rewards structure with no rotating categories.
- High cash back on travel bookings through Capital One Travel.
- No foreign transaction fees.
- Cons:
- Lower cash back potential in specific categories compared to business cards.
- Welcome bonus requires a relatively low spending threshold.
Ink Business Cash® Credit Card
- Pros:
- High cash back rates on business essential purchases.
- Generous welcome bonus with tiered spending thresholds.
- No annual fee and no foreign transaction fees.
- Cons:
- Rewards are capped at $25,000 in specific categories.
- More complex rewards structure may require tracking spending categories.
Who Should Consider Which Card?
- Capital One Quicksilver Cash Rewards Credit Card: Ideal for everyday consumers or those who prefer a straightforward cash back card with no annual fee and no hassle of rotating categories.
- Ink Business Cash® Credit Card: Best suited for small business owners who frequently spend on office supplies, internet, and gas, and want to maximize cash back rewards in these specific categories.
Conclusion
Both the Capital One Quicksilver Cash Rewards Credit Card and the Ink Business Cash® Credit Card present excellent options depending on your financial needs. Consider your spending habits and financial goals to choose the card that will benefit you most.