Capital One Quicksilver Secured vs Hilton Honors Business Card: Which Is Better In 2026?

The Hilton Honors American Express Business Breakdown

‍

[[ SINGLE_CARD * {"id": "3043", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Hilton Business Travelers", "headerHint": "Exceptional Benefits"} ]]

‍

Why We Like It

‍

This section breaks down why we like The Hilton Honors American Express Business.

‍

• Cardholders automatically receive Hilton Honors Gold status, unlocking valuable on-property benefits that enhance every stay.
• The Hilton Honors American Express Business card (See Rates & Fees) is packed with business-friendly features and generous rewards on eligible purchases at hotels and resorts within the Hilton portfolio.
• Opportunities to earn free nights and receive statement credits provide significant value that can more than cover the card's annual fee.

‍

_{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

‍

• Automatic Hilton Honors Gold status provides valuable in-hotel benefits like room upgrades and food and beverage credits.
• Enjoy complimentary elite status with a major car rental program and add employee cards at no extra cost to streamline business expenses.
• The card includes various travel and purchase protections and has no foreign transaction fees, making it ideal for business on the go.

‍

Cons

‍

• The value of points can be lower when compared to other hotel loyalty programs, potentially diminishing the return on spending.
• It lacks premium travel protections, such as trip cancellation or delay insurance, which are often crucial for business travel.
• The card offers limited flexibility for transferring points to airline partners compared to other travel cards.

The Hilton Honors American Express Business vs Capital One Quicksilver Secured Cash Rewards

‍

Categories

‍

Choosing the right credit card depends entirely on your financial goals and spending habits. To help you decide which is better Capital One Quicksilver Secured or Hilton Honors Business Card, we've broken down what each card is best for.

‍

• Capital One Quicksilver Secured Cash Rewards Credit Card is designed for individuals looking to build or rebuild their credit history. It offers a pathway to an unsecured card while allowing cardholders to earn rewards on their purchases.
• The Hilton Honors American Express Business Card is tailored for small and medium-sized business owners who frequently stay at Hilton properties. This card helps maximize travel benefits and earn rewards on business expenses.

‍

Redemption

‍

Capital One Quicksilver Secured Cash Rewards Credit Card: Rewards earned with this card can be redeemed for cash back, typically as a statement credit or a check, providing a simple way to get value from your spending.

‍

The Hilton Honors American Express Business Card: Points are redeemed through the Hilton Honors program, which can be used for free nights at Hilton properties or transferred to airline partners. Terms Apply.

‍

Compare Top Rated Credit Cards with Kudos

‍

To make an informed decision, you can use a financial companion like Kudos to compare nearly 3,000 credit cards with its data-driven card explorer tool.

‍

• Test Drive a credit card: Simulate your potential earnings with any card using your actual spending data before you apply, without a hard credit pull.
• Approval odds: Receive a detailed analysis based on your credit report to understand your chances of being approved for a new card.
• Welcome offer guarantee: If you find a better public welcome offer within three months of approval, Kudos will match it.
• Kudos Kickstart+: Unlock $100 in rewards when you add 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 an excellent choice for individuals looking to build or rebuild their credit. It's particularly well-suited for those who don't want to sacrifice earning rewards, offering a competitive 1.5% cash back on all purchases. Ideal cardholders are those who plan to pay their balance in full monthly to avoid interest and who appreciate the opportunity to have their account automatically reviewed for an upgrade to an unsecured card.

Who Should Choose the The Hilton Honors American Express Business?

‍

The Hilton Honors American Express Business Card is tailor-made for business owners and entrepreneurs who frequently stay at properties within the Hilton portfolio for work. It's particularly beneficial for those looking to maximize rewards on travel and business spending, offering 12X points on eligible Hilton purchases and 5X points on the first $100,000 in other purchases each calendar year, then 3X points. Companies that value immediate travel perks will also benefit from the automatic Hilton Gold Status, which provides in-hotel benefits like room upgrades and food or beverage credits; terms apply.

Alternatives to Consider

‍

If this Capital One Quicksilver Secured vs Hilton Honors Business Card comparison shows that neither option is the right fit for you, don't worry. There are plenty of other great cards out there that could be a better match for your financial goals.

‍

[[ COMPARE_CARD * {"ids": ["509", "118"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Exceptional Value", "Generous Travel Rewards"]} ]]

‍

_{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

‍

• Know the issuer's rules: Be aware of restrictions, such as limits on how many cards you can apply for in a short period or rules affecting welcome offer eligibility.
• Confirm eligibility requirements: Some cards are for businesses only, while others may have specific income-to-housing payment rules you must meet.
• Use pre-approval tools: Many issuers offer a way to see if you qualify for a card with a soft inquiry that won’t impact your credit score.

‍

Application Strategy

‍

• Time your application: Apply when you can easily meet the minimum spend and the welcome offer is at its peak.
• Vary your approach: If you don't receive the best offer, try applying through a different browser or at a later time.
• Respect issuer limits: Be mindful of rules like American Express's 'once per lifetime' welcome offer policy or Capital One's restrictions on application frequency.

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, which typically sets your credit limit. This deposit minimizes risk for the issuer, making these cards accessible for those looking to build or rebuild their credit.

‍

Can I apply for a business credit card without a formal business?

‍

Yes, you can often apply for a business credit card as a sole proprietor using your Social Security Number. Many issuers approve applicants who have side hustles, freelance income, or other small-scale business activities.

‍

Which card is better for building credit?

‍

The Capital One Quicksilver Secured card is specifically designed for building or rebuilding credit, as it's more accessible to those with lower scores. While any card used responsibly can help your credit, a secured card is a more targeted tool for this purpose.

‍

‍