Amex Business Gold vs Capital One QuicksilverOne: Which Is Better In 2026?

Capital One QuicksilverOne Cash Rewards Breakdown

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Why We Like It

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Here’s a closer look at why we recommend the Capital One QuicksilverOne Cash Rewards Credit Card (See Rates & Fees).

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• It's a great option for those with average credit who are looking to build their credit history while earning rewards.
• The card offers a straightforward, flat-rate cash back structure on all purchases, eliminating the need to track rotating categories.
• It comes with travel-friendly perks, including no foreign transaction fees and access to the Capital One Travel portal.

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Pros

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• Offers unlimited cash back rewards on every purchase without the hassle of tracking rotating spending categories.
• Helps cardholders build credit with responsible use and offers automatic credit line reviews for potential limit increases.
• Cardholders get exclusive access to Capital One Entertainment for special events and VIP packages.

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Cons

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• An annual fee is required, which may offset the cash back earned for some users.
• The card comes with a high variable interest rate, making it less suitable for cardholders who carry a balance from month to month.
• It doesn't come with a welcome bonus or an introductory APR period, which many competing cards offer.

Capital One QuicksilverOne Cash Rewards vs American Express® Business Gold Card

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Categories

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To determine which is better, Amex Business Gold or Capital One QuicksilverOne, it's essential to look at the distinct user each card is built to serve. These cards cater to very different financial needs and goals.

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• American Express® Business Gold Card: This card is a versatile tool designed for business owners, especially those with growing companies and variable expenses across different categories.
• Capital One QuicksilverOne Cash Rewards Credit Card: This card is primarily aimed at credit builders and individuals with average credit who want a straightforward way to earn rewards on everyday spending.

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Redemption

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American Express® Business Gold Card: This card earns points that provide flexible redemption options geared toward businesses, such as booking travel or transferring to airline and hotel loyalty programs. The value lies in its versatility, allowing cardholders to maximize their rewards based on their company's specific needs.

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Capital One QuicksilverOne Cash Rewards Credit Card: Redemption is simple and direct, as the card earns cash back on every purchase. You can redeem your cash rewards at any time and for any amount, typically as a statement credit or a check.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a comprehensive tool designed to help you compare top-rated credit cards and make informed decisions based on your own spending habits.

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• Test drive nearly 3,000 credit cards using your real spending data to project potential earnings before you apply.
• Receive a detailed analysis of your approval odds based on your credit report.
• Get a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
• Access personalized card recommendations that fit your spending history to maximize your rewards.
• Unlock exclusive offers and opportunities to stack rewards.

Who Should Choose the American Express® Business Gold Card?

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The American Express® Business Gold Card is tailored for growing companies with significant annual spending—think $50,000 or more—and variable expenses that shift across different categories from month to month. Its standout feature automatically awards 4X points on the top two spending categories each billing cycle, making it ideal for businesses that want to maximize rewards without being locked into fixed bonus categories. Entrepreneurs who travel for work and value flexible rewards will also find this card particularly beneficial, thanks to its travel protections and access to The Hotel Collection. Terms Apply.

Who Should Choose the Capital One QuicksilverOne Cash Rewards?

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The Capital One QuicksilverOne Cash Rewards Credit Card is an excellent choice for individuals with average credit scores who are looking to build their credit history while earning straightforward rewards. It also suits everyday spenders who prefer a simple, flat-rate cash back structure and international travelers who can take advantage of the no foreign transaction fees. Ultimately, this card serves those who value accessibility and a no-fuss approach to earning cash back on all their purchases.

Alternatives to Consider

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The Amex Business Gold vs Capital One QuicksilverOne comparison highlights two very different cards, but what if neither one is what you're looking for? Fortunately, the credit card landscape is vast, and we have a few other top contenders for you to consider.

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_{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. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Review your credit score to confirm you meet the card’s requirements, which can range from average to excellent.
• Plan your spending to ensure you can naturally meet any Welcome Offer requirements without overspending.
• Analyze the rewards structure to confirm it aligns with your typical spending habits and maximizes your earning potential.

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Application Strategy

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• Check issuer rules - Some issuers may limit eligibility for new Welcome Offers if you're an existing cardmember.
• Don't settle for a lesser offer - You can often decline an offer with no impact to your credit and try again later.
• Know your card type - Business cards often have different application requirements and benefits than personal cards.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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What is the difference between a charge card and a credit card?

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A credit card allows you to carry a balance from month to month, while a charge card, like the American Express® Business Gold Card, typically requires you to pay your balance in full each statement period. Some charge cards may offer features to pay for certain purchases over time. Terms apply.

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Can I apply for the American Express® Business Gold Card if I'm a freelancer or have a side hustle?

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Yes, you don't need a formal business structure like an LLC to apply for a business card. You can often apply as a sole proprietor using your Social Security Number if you have business income from freelancing, gig work, or a side hustle.

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Is the Capital One QuicksilverOne card good for building credit?

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The Capital One QuicksilverOne Cash Rewards Credit Card is designed for individuals with fair or average credit, making it a solid option for building or rebuilding your credit history with responsible use. Capital One may also consider you for a credit line increase in as little as six months.

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