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.
Capital One Quicksilver Cash Rewards Credit Card vs Marriott Bonvoy Brilliant® American Express® Card
This comparison aims to provide a detailed look at the Capital One Quicksilver Cash Rewards Credit Card and the Marriott Bonvoy Brilliant® American Express® Card. By understanding their features, benefits, and drawbacks, you can make an informed decision about which card aligns better with your financial needs and spending habits.
Card Overviews
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is designed for users looking for simplicity and straightforward cash-back rewards. With no annual fee and a flat cash-back rate, it caters to those who prefer an uncomplicated rewards program.
Marriott Bonvoy Brilliant® American Express® Card
The Marriott Bonvoy Brilliant® American Express® Card is tailored for frequent travelers, especially those who stay at Marriott properties. With premium benefits like dining credits, elite status, and free night awards, this card is ideal for individuals who prioritize travel rewards and luxury experiences.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Cash Rewards Credit Card | Marriott Bonvoy Brilliant® American Express® Card |
|---|---|---|
| Annual Fee | $0 | $650 |
| Welcome Bonus | Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months | Earn 185,000 Marriott Bonvoy® bonus points after you spend $6,000 in the first 6 months |
| Rewards Structure | 1.5% cash back on every purchase; 5% on hotels and rental cars booked through Capital One Travel | 6X points at Marriott hotels; 3X at restaurants and flights; 2X on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | No limit on cash back; cash back doesn't expire | Dining credit, free night award, elite status, airport lounge access, cell phone protection |
Rewards Highlights
Capital One Quicksilver Cash Rewards Credit Card Rewards
- 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.
Marriott Bonvoy Brilliant® American Express® Card Rewards
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
- Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines.
- Earn 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
Pros and Cons
Capital One Quicksilver Cash Rewards Credit Card Pros and Cons
- Pros:
- No annual fee.
- Simple cash-back structure.
- Unlimited cash back on all purchases.
- No foreign transaction fees.
- Easy-to-redeem rewards.
- Cons:
- No premium travel benefits.
- Lower rewards rate compared to travel-focused cards.
Marriott Bonvoy Brilliant® American Express® Card Pros and Cons
- Pros:
- High earning potential on Marriott stays.
- Comprehensive travel benefits.
- Dining credits and free night awards enhance value.
- Priority Pass™ Select membership for lounge access.
- Cons:
- High annual fee of $650.
- Requires significant spending to maximize rewards.
Who Should Consider Which Card?
- Capital One Quicksilver Cash Rewards Credit Card: Ideal for users who prefer straightforward cash back without an annual fee, and who do not travel frequently.
- Marriott Bonvoy Brilliant® American Express® Card: Best suited for frequent travelers who often stay at Marriott hotels and can take advantage of the card's premium benefits and rewards structure.
Conclusion
Choosing between the Capital One Quicksilver Cash Rewards Credit Card and the Marriott Bonvoy Brilliant® American Express® Card ultimately depends on your personal spending habits and financial goals. Consider what rewards and benefits matter most to you as you make your decision.