Capital One Quicksilver Cash Rewards Credit Card vs The American Express Blue Business Cash™ Card

This comparison aims to help you decide between the Capital One Quicksilver Cash Rewards Credit Card and The American Express Blue Business Cash™ Card. Both cards offer unique rewards structures and benefits that cater to different spending habits and financial goals.

Card Overviews

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is designed for individuals seeking straightforward cash back rewards without the hassle of rotating categories. With no annual fee and a simple rewards structure, it's ideal for everyday purchases.

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card targets small business owners who want to earn cash back on business expenses. This card features a flexible spending limit and offers enhanced rewards on eligible purchases, making it suitable for growing businesses.

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.

The American Express Blue Business Cash™ Card

• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
• 1% cash back on all eligible purchases after spending $50,000 per calendar year.

Pros and Cons

Capital One Quicksilver Cash Rewards Credit Card

• Pros:
  • Simple cash back rewards structure.
  • No annual fee.
  • High cash back on travel bookings through Capital One Travel.
• Cons:
  • Lower cash back rate on general purchases compared to business-focused cards.
  • Balance transfer fee applies.

The American Express Blue Business Cash™ Card

• Pros:
  • Higher cash back rate on eligible business purchases.
  • Flexible spending limit with Expanded Buying Power.
  • No annual fee.
• Cons:
  • Higher spending requirement for welcome bonus compared to some personal cards.
  • Limited cash back rate after reaching spending cap.

Who Should Consider Which Card?

• Capital One Quicksilver Cash Rewards Credit Card: Ideal for individuals who want a straightforward cash back card for everyday spending without worrying about rotating categories or limits on earnings.
• The American Express Blue Business Cash™ Card: Best suited for small business owners looking to maximize cash back on business purchases and who may benefit from the flexible spending limit.

Conclusion

Both the Capital One Quicksilver Cash Rewards Credit Card and The American Express Blue Business Cash™ Card offer valuable rewards and benefits. Your decision should ultimately depend on your individual spending habits and financial goals. Consider how you plan to use the card and which features align with your needs.

“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.”