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Capital One Quicksilver Secured vs Business Green Rewards: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- The Capital One Quicksilver Secured Cash Rewards card is a great option for building credit while earning flat-rate cash back on all purchases and higher rewards on select travel.
- The Business Green Rewards Card by American Express® is designed for small business owners to earn rewards on general business expenses and travel booked through Amex. Terms apply.
Capital One Quicksilver Secured Cash Rewards Breakdown
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Why We Like It
Here are the main reasons we like the Capital One Quicksilver Secured Cash Rewards (See Rates & Fees).
- It offers a straightforward way to earn cash back on all your purchases, a rare perk for a secured card.
- You may be able to graduate to an unsecured card and receive automatic credit line reviews with responsible use.
- You can check if you’re preapproved with a soft credit inquiry, which won’t hurt your credit score.
Pros
- Flexible options for redeeming your earned cash back.
- Accessible to applicants who are building or rebuilding their credit history.
- Avoids certain common credit card costs, like yearly membership charges and surcharges on international purchases.
Cons
- A security deposit is required to open an account, which can be a barrier for some applicants.
- It has a high variable APR, making it expensive if you carry a balance from month to month.
- Some cardholders report delays in graduating to an unsecured card or receiving credit line increases.
Business Green Rewards Card by American Express Breakdown
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Why We Like It
Here’s a look at why we recommend the Business Green Rewards Card by American Express.
- The Business Green Rewards Card by American Express (See Rates & Fees) provides an accessible entry point to the valuable Membership Rewards program, known for its flexible travel redemption options.
- It comes with helpful business management tools, including expense tracking and the ability to add employee cards with customizable spending limits.
- The card features a flexible spending capacity that adapts based on your payment history and financial profile, which is ideal for businesses with fluctuating expenses.
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.
Pros
- Offers flexible point redemption options, including transfers to airline and hotel travel partners.
- Includes business management tools to track expenses and add employee cards with customizable spending limits.
- Features no pre-set spending limit, allowing your purchasing power to adapt based on your business profile.
Cons
- Offers a low base earning rate and limited bonus categories compared to other business cards.
- Lacks premium travel benefits, such as airport lounge access, and charges foreign transaction fees.
- The welcome offer is less substantial than those offered by competing cards.
Business Green Rewards Card by American Express vs Capital One Quicksilver Secured Cash Rewards
Categories
Deciding which is better Capital One Quicksilver Secured or Business Green Rewards comes down to understanding their very different target users and purposes.
- Capital One Quicksilver Secured Cash Rewards Credit Card is designed for individuals looking to build or rebuild their credit history. It's a good fit for those who want to establish positive credit habits and eventually graduate to an unsecured card.
- Business Green Rewards Card from American Express is best for small business owners and entrepreneurs who want to earn rewards on business expenses and build business credit. This entry-level business charge card offers payment flexibility and access to travel benefits.
Redemption
Capital One Quicksilver Secured Cash Rewards Credit Card: This card offers straightforward cash back on every purchase, which can be redeemed for a statement credit or a check. The redemption process is designed to be simple and flexible for the cardholder.
Business Green Rewards Card from American Express: Cardholders earn points within a flexible rewards program that offers a wide array of redemption choices. These points are particularly useful for travel, as they can be used to book trips or transferred to various airline and hotel loyalty programs.
Compare Top Rated Credit Cards with Kudos
To make a data-driven decision, you can use a tool like Kudos, a financial companion that helps you compare thousands of cards to find the best match for your spending habits.
- Test drive credit cards: Before applying, you can simulate potential earnings with a new card using your real spending data, all without affecting your credit score.
- Approval odds analysis: Receive a detailed analysis based on your credit report to better understand your chances of approval.
- Welcome offer guarantee: If you find a better public welcome offer within three months of being approved, Kudos will match it.
- Kudos Boost rewards: Earn extra rewards when you shop at participating stores, which you can stack on top of your credit card rewards.
- $100 Kudos Kickstart+: Unlock $100 in rewards just by adding select approved cards to your Kudos Wallet.
Who Should Choose the Capital One Quicksilver Secured Cash Rewards?
The Capital One Quicksilver Secured Cash Rewards Credit Card is primarily designed for individuals who are actively working to build or rebuild their credit history. It allows cardholders to earn a competitive 1.5% cash back on every purchase without the burden of an annual fee, making it a rewarding tool for establishing credit. This card is ideal for users who plan to pay their balance in full each month and value the opportunity to potentially graduate to an unsecured card with responsible use.
Who Should Choose the Business Green Rewards Card by American Express?
The American Express® Business Green Rewards Card is an excellent starting point for small business owners, freelancers, and sole proprietors who want to earn valuable Membership Rewards points without committing to a high annual fee. It's particularly well-suited for new businesses or those with straightforward expenses looking to establish a business credit history while gaining access to the Amex ecosystem. With flexible payment options and business expense management tools, it provides a solid foundation for entrepreneurs who value the American Express brand and its benefits. Terms apply.
Alternatives to Consider
If our Capital One Quicksilver Secured vs Business Green Rewards comparison has you thinking neither card is the right fit, don't worry. There are plenty of other excellent options available depending on your credit profile and spending habits.
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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.
Tips for Application Success
Before You Apply
- Check your credit score – Most issuers require good to excellent credit for approval.
- Review your finances – Ensure your income and spending habits align with the card's requirements.
- Know the issuer's rules – Be aware of application restrictions, like limits on new accounts or past card ownership.
Application Strategy
- Use pre-approval tools – Many issuers let you check for offers without impacting your credit score.
- Time your application – Apply before a large planned purchase to help meet a potential minimum spend requirement.
- Pace your applications – Be mindful of issuer-specific rules that limit how many cards you can apply for in a given period.
Our Methodology
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.
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
What is a secured credit card?
A secured credit card requires a cash security deposit when you open the account. This deposit typically equals your credit limit and reduces the lender's risk, making it easier for people with limited or poor credit to get approved.
Who is the Business Green Rewards card from American Express for?
The Business Green Rewards Card from American Express® is designed for small business owners who want a flexible charge card to manage their expenses. It's a good fit for those who can pay their balance in full each month and want to earn rewards on business purchases.
Do I need good credit to get approved for these cards?
Credit requirements vary; the Capital One Quicksilver Secured is designed for those building or rebuilding credit, so fair or limited credit is often acceptable. The Business Green Rewards Card from American Express® generally requires good to excellent credit for approval.
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Editorial Disclosure: Opinions expressed here are those of Kudos 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.
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