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Capital One Quicksilver Cash Rewards Credit Card vs The Hilton Honors American Express Business Card
This comparison aims to help you decide between the Capital One Quicksilver Cash Rewards Credit Card and the The Hilton Honors American Express Business Card. Both cards offer unique benefits tailored to different spending habits and preferences. Below, we will explore their features in detail.
Card Overviews
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is designed for consumers looking for straightforward cash back rewards without the headache of rotating categories or annual fees. It offers unlimited cash back on every purchase, making it ideal for everyday spending.
The Hilton Honors American Express Business Card
The The Hilton Honors American Express Business Card caters to business travelers and Hilton loyalists. It provides generous rewards for hotel stays and other eligible purchases, along with exclusive benefits that enhance the travel experience.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Cash Rewards Credit Card | The Hilton Honors American Express Business Card |
|---|---|---|
| Annual Fee | $0 | $195 |
| Welcome Bonus | Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months | Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases within the first six months |
| Rewards Structure | Unlimited 1.5% cash back on every purchase; 5% on hotels and rental cars booked through Capital One Travel | 12X on eligible Hilton purchases; 5X on the first $100,000 spent each year; 3X thereafter |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | Balance transfer fee applies | None specified |
| Additional Benefits | No expiration on cash back, no limit on earnings | Complimentary Hilton Honors Gold Status, up to $60 in statement credits each quarter for Hilton portfolio purchases |
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 Hilton Honors American Express Business Card
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
- 3X on all other eligible purchases. Terms & Limitations Apply.
Pros and Cons
Capital One Quicksilver Cash Rewards Credit Card
- Pros:
- No annual fee
- Simple cash back structure
- Generous welcome bonus
- No foreign transaction fees
- Cons:
- Cash back may not be as valuable for travel compared to points
The Hilton Honors American Express Business Card
- Pros:
- Strong rewards for Hilton purchases
- Welcome bonus is very high for Hilton loyalists
- Complimentary Hilton Honors Gold Status
- Quarterly statement credits for Hilton stays
- Cons:
- Higher annual fee
- Complex rewards structure for non-Hilton purchases
Who Should Consider Which Card?
If you are a frequent traveler who often stays at Hilton hotels and would benefit from elite status and bonus points for hotel purchases, the The Hilton Honors American Express Business Card is likely the better choice for you.
On the other hand, if you prefer straightforward cash back on all your spending and want a card with no annual fee, the Capital One Quicksilver Cash Rewards Credit Card would be more suitable.
Conclusion
Ultimately, the decision between the two cards should be based on your individual spending habits and financial goals. Consider where you spend the most and what types of rewards you value most to choose the card that aligns with your lifestyle.