Capital One Quicksilver Secured vs Amex Blue Cash Everyday: Which Is Better In 2026?

Blue Cash Everyday® Card from American Express Breakdown

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Why We Like It

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Here’s a breakdown of why we’re fans of this card.

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• The Blue Cash Everyday® Card from American Express (See Rates & Fees) is a great option for earning cash back on daily spending categories without paying an annual fee.
• It comes with attractive introductory offers that can help new cardholders save on purchases and balance transfers.
• Cardholders also get access to valuable American Express perks, such as special offers and purchase protections on eligible items.

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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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Pros

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• Offers a straightforward rewards program that is easy to manage, especially for those just starting with credit card rewards.
• Provides access to valuable benefits, including purchase protection for eligible items and exclusive Amex Offers.

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Cons

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• Bonus rewards are capped annually in key spending categories.
• Not ideal for international travel, as it charges foreign transaction fees.
• Cash back redemption options are less flexible than some competitors.

Blue Cash Everyday® Card from American Express vs Capital One Quicksilver Secured Cash Rewards

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Categories

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Deciding which is better, the Capital One Quicksilver Secured or Amex Blue Cash Everyday, comes down to understanding what each card is designed for and who it serves best.

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• Capital One Quicksilver Secured Cash Rewards: This is a secured card designed for individuals looking to build or rebuild their credit history while earning cash back rewards.
• Blue Cash Everyday® Card from American Express: This card is best for those with good credit who want a straightforward cash back card for their everyday spending categories.

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Redemption

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Capital One Quicksilver Secured Cash Rewards: Cash back can be redeemed in several flexible ways, including as a statement credit or a check.

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Blue Cash Everyday® Card from American Express: Rewards are earned as cash back, which can be easily redeemed as a statement credit on your account.

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Compare Top Rated Credit Cards with Kudos

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To simplify the decision, tools like Kudos can help you compare nearly 3,000 credit cards to find the best match for your unique spending habits.

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• Test drive a credit card using your real spending data to see personalized calculations of your potential earnings before you apply.
• Receive a detailed analysis of your approval odds for different cards based on your credit report.
• Take advantage of a welcome offer guarantee, where Kudos will match a better offer if you find one within three months of applying.
• Get personally matched with cards that will earn you the most rewards based on your spending history.
• Earn extra rewards, called Kudos Boost, on top of your credit card rewards when shopping at participating stores.

Who Should Choose the Capital One Quicksilver Secured Cash Rewards?

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The Capital One Quicksilver Secured Cash Rewards Credit Card is an excellent choice for individuals looking to build or rebuild their credit history. This card is particularly well-suited for those who don't want to sacrifice earning rewards, offering a flat 1.5% cash back on every purchase. It's ideal for responsible users who plan to pay their balance in full each month to avoid interest charges, with the potential to graduate to an unsecured card over time with good payment habits.

Who Should Choose the Blue Cash Everyday® Card from American Express?

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The Blue Cash Everyday® Card from American Express is a great fit for everyday spenders, especially families, who want to earn cash back on common purchases without paying an annual fee (See Rates & Fees). Cardholders can maximize their rewards by earning 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases, each on up to $6,000 per year in purchases, then 1% (Terms apply). It's also an excellent choice for those new to credit card rewards who have a good to excellent credit score and are looking for a straightforward earning structure.

Alternatives to Consider

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If our Capital One Quicksilver Secured vs Amex Blue Cash Everyday comparison has you feeling like neither card is the right fit, don't worry. There are several other excellent cards that might be a better match for your wallet.

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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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• Check your credit score – Most rewards cards require a good to excellent credit profile.
• Plan your spending – Make sure you can naturally meet any welcome offer spending requirements.
• Review issuer rules – Some issuers have restrictions on recent applications or previous cardholders.

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Application Strategy

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• Check for pre-approval – Many issuers, like Capital One, let you check your odds without impacting your credit score.
• Use targeted offer tools – Some application portals can surface elevated offers not available to the public.
• Don't settle for a lesser offer – If you're not happy with the offer you receive, you can often decline and try again later.

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 a secured credit card?

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A secured credit card requires a refundable security deposit that typically determines your credit limit, making it an accessible option for building or rebuilding your credit history.

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Can I upgrade from the Capital One Quicksilver Secured Rewards Credit Card?

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Capital One automatically reviews accounts for potential upgrades to an unsecured card. With responsible use, you may be upgraded and have your security deposit refunded.

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Are there foreign transaction fees on these cards?

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The Capital One Quicksilver Secured Rewards Credit Card has no foreign transaction fees, but the American Express® Blue Cash Everyday® Card charges a 2.7% fee on international purchases. Terms apply.

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