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Capital One Quicksilver vs Amex Blue Cash Everyday: Which Is Better?
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Editor's Picks
- Capital One Quicksilver Cash Rewards Credit Card (Rates & Fees): Best for people who want one flat cash back rate on every purchase, no annual fee and no foreign transaction fees.
- Blue Cash Everyday® Card from American Express: Best for households that spend heavily at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases. Terms Apply.
Capital One Quicksilver Cash Rewards Breakdown
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Why We Like It
The Capital One Quicksilver earns unlimited 1.5% cash back on every purchase, so there are no categories to track. It has no annual fee and no foreign transaction fees.
New cardholders get a 0% intro APR on purchases and balance transfers for the first 15 months, after that the variable APR will be 18.99%, 24.99% or 28.99%, based on creditworthiness (Rates & Fees). Balance Transfer Fee applies to balances transferred at a promotional rate.
Pros
- Unlimited 1.5% cash back on every purchase.
- Rewards do not expire for the life of the account, and you can redeem cash back for any amount.
- No annual fee and no foreign transaction fees.
Cons
- Category cards can earn more on groceries, gas or dining.
- Balance transfers carry a fee, even during the intro period.
- Approval generally requires good to excellent credit.
Blue Cash Everyday® Card from American Express Breakdown
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Why We Like It
The Blue Cash Everyday® Card earns 3% cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations, each on up to $6,000 per year in purchases (then 1%), and 1% on other eligible purchases.
Cash back comes as Reward Dollars that you can redeem as a statement credit or use at Amazon.com checkout. Terms Apply.
Pros
- Three 3% categories that cover common household spending.
- A Disney Streaming Credit of up to $7 a month on an eligible subscription at DisneyPlus.com, Hulu.com or Stream.ESPN.com with an enrolled card.
- Purchase protection on covered purchases.
Cons
- Each 3% category is capped at $6,000 per year in purchases, then 1%.
- A 2.7% foreign transaction fee applies to each transaction made outside the U.S.
- Spending outside the bonus categories earns only 1%.
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.
Blue Cash Everyday® vs Capital One Quicksilver
Categories
Both are cash back cards, but they reward different spending patterns. The card details above show current fees for each.
- Capital One Quicksilver Cash Rewards Credit Card: A flat 1.5% on everything, which suits people who do not want to think about categories or who spend abroad.
- Blue Cash Everyday® Card from American Express: Higher earning in three everyday categories, which suits people whose budgets lean toward groceries, gas and online shopping.
Redemption
Capital One Quicksilver Cash Rewards Credit Card: Redeem cash back for any amount as a check or a statement credit, apply it to cover a recent purchase or use it for gift cards.
Blue Cash Everyday® Card from American Express: Reward Dollars can be redeemed as a statement credit or used at Amazon.com checkout. Terms Apply.
Compare Cards With Kudos
To skip the guesswork, Kudos compares nearly 3,000 credit cards and shows which one earns the most on your actual spending.
- Test Drive: Test Drive simulates what a card would earn from your real transaction history, including net value after the annual fee, with no hard credit pull.
- Approval odds: See a detailed analysis of your chances of approval based on your credit report.
- Best card at checkout: The Kudos browser extension autofills the card in your wallet that earns the most on each online purchase.
- Kudos Boost: Earn extra rewards on top of your card rewards when you shop at participating stores.
Once you have your card, the Benefits Tracker in Kudos Premium shows the credits and perks on every card in your wallet, how much you've used and what's left, with step-by-step redemption instructions. Its annual fee vs. value comparison helps you see which cards are worth keeping.
Who Should Choose the Capital One Quicksilver?
The Capital One Quicksilver is a good fit if you want a simple card that earns 1.5% on everything with no annual fee. It also works for travelers, since it has no foreign transaction fees, and for anyone who wants a 0% intro APR period on new purchases.
Who Should Choose the Blue Cash Everyday®?
The Blue Cash Everyday® Card suits families and individuals whose spending is concentrated at U.S. supermarkets, U.S. gas stations and U.S. online retailers. If you spend up to $6,000 a year in one or more of those categories, it can out-earn a flat-rate card like the Quicksilver. See the card details above for current fees. Terms Apply.
Alternatives to Consider
If you spend a lot on groceries, the Blue Cash Preferred® Card from American Express earns 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% on select U.S. streaming subscriptions, 3% on transit, 3% at U.S. gas stations and 1% on other eligible purchases. See the card details below for current fees. Terms Apply.
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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: Most rewards cards require good to excellent credit.
- Review your spending: Pick the card that rewards the categories you spend the most in.
- Consider travel: If you make purchases abroad, a card without foreign transaction fees saves money.
Application Strategy
- Time your application: Apply before a large planned purchase to help meet any welcome offer spending requirement.
- Know the issuer rules: American Express and Capital One each have their own eligibility rules for welcome offers.
- Compare offers: Welcome offers change, so check the current offer before you apply.
Our Methodology
We evaluate nearly 3,000 credit cards across the U.S. market, far more than the roughly 150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is a complete, unbiased view of the credit card market so you can make confident, data-driven decisions.
Our editorial team checks card terms against issuer sources. You can also explore the full dataset yourself in our card explorer, which includes thousands of cards, more than 95% of which do not pay us commissions.
Frequently Asked Questions
What Credit Score Do I Need for the Quicksilver and Blue Cash Everyday?
Capital One lists the Quicksilver for excellent credit, and both cards generally require good to excellent credit. Approval depends on your full credit profile and income, not just your score.
How Do the Quicksilver and Blue Cash Everyday Fees Compare?
The Capital One Quicksilver Cash Rewards Credit Card has no annual fee (Rates & Fees). For the Blue Cash Everyday® Card from American Express, see the card details above for current fees.
Which Card Is Better for International Travel?
The Capital One Quicksilver is the better choice abroad because it has no foreign transaction fees. The Blue Cash Everyday® Card charges a 2.7% foreign transaction fee on each transaction made outside the U.S. Terms Apply.
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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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