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Capital One Quicksilver Student Cash Rewards Credit Card vs Marriott Bonvoy Bevy® American Express® Card
This comparison aims to provide a detailed overview of the Capital One Quicksilver Student Cash Rewards Credit Card and the Marriott Bonvoy Bevy® American Express® Card. By highlighting their features, rewards, pros and cons, we hope to assist you in making an informed decision based on your financial needs and spending habits.
Card Overviews
Capital One Quicksilver Student Cash Rewards Credit Card
The Capital One Quicksilver Student Cash Rewards Credit Card is designed for students looking to build their credit while earning cash back on everyday purchases. With no annual fee and a straightforward rewards structure, it's ideal for those new to credit cards.
Marriott Bonvoy Bevy® American Express® Card
The Marriott Bonvoy Bevy® American Express® Card caters to frequent travelers and Marriott enthusiasts. With generous rewards for hotel stays and dining, this card offers significant benefits for those who prioritize travel and hotel loyalty.
Detailed Feature Comparison
| Feature | Capital One Quicksilver Student Cash Rewards Credit Card | Marriott Bonvoy Bevy® American Express® Card |
|---|---|---|
| Annual Fee | $0 | $250 |
| Welcome Bonus | $50 when you spend $100 in the first three months | 155,000 Marriott Bonvoy® bonus points after spending $5,000 in the first 6 months |
| Rewards Structure | 1.5% cash back on every purchase | 6X points at Marriott hotels, 4X at restaurants and U.S. supermarkets, 2X on all other purchases |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | $0 hidden fees | No specific fees listed |
| Additional Benefits | $0 Fraud Liability, card lock feature | Gold Elite Status, Free Night Award, and Elite Night Credits |
Rewards Highlights
- Earn 155,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
- Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
- Earn 2X points on all other eligible purchases.
Pros and Cons
Capital One Quicksilver Student Cash Rewards Credit Card
- Pros:
- No annual fee and no foreign transaction fees.
- Simple cash back rewards structure.
- Early spend bonus of $50.
- Fraud liability protection.
- Cons:
- Lower rewards potential compared to travel-focused cards.
- Limited features for frequent travelers.
Marriott Bonvoy Bevy® American Express® Card
- Pros:
- High rewards for hotel stays and dining.
- Generous welcome bonus of 155,000 points.
- Includes complimentary Marriott Bonvoy® Gold Elite Status.
- Free Night Award after spending.
- Cons:
- High annual fee of $250.
- More complex rewards structure.
Who Should Consider Which Card?
The Capital One Quicksilver Student Cash Rewards Credit Card is best suited for students or individuals new to credit who want a straightforward cash back option without any fees. This card is ideal for those who prioritize building credit over maximizing rewards.
On the other hand, the Marriott Bonvoy Bevy® American Express® Card is perfect for frequent travelers, especially those loyal to the Marriott brand. It offers substantial rewards and benefits that can significantly enhance travel experiences and hotel stays.
Conclusion
Both the Capital One Quicksilver Student Cash Rewards Credit Card and the Marriott Bonvoy Bevy® American Express® Card cater to different user needs. Your choice should depend on your spending habits, travel frequency, and financial goals. Consider your individual needs and evaluate which card aligns best with your lifestyle.