Capital One Quicksilver 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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This section breaks down why we like the Blue Cash Everyday® Card from American Express (See Rates & Fees).

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• It's an excellent no-annual-fee card for earning cash back on a wide range of everyday spending.
• The rewards structure is simple and particularly valuable for common expenses like groceries, gas, and online shopping.
• New members can take advantage of a valuable welcome offer and an introductory interest-free period on purchases (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.}

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Pros

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• There is no annual fee, allowing you to earn cash back without a yearly cost.
• The rewards structure is straightforward and focuses on common, everyday spending categories.
• It comes with a welcome offer for new cardmembers, an introductory APR on purchases, and purchase protection on eligible items (terms apply).

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Cons

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• Spending caps on bonus reward categories may limit your total cash back earnings.
• Foreign transaction fees make it a less-than-ideal choice for purchases outside the U.S.
• Approval generally requires a good to excellent credit score.

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

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Categories

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When considering which is better, Capital One Quicksilver or Amex Blue Cash Everyday, it's important to look at how each card approaches rewards. Both are strong contenders in the cash back space, but they cater to different spending habits.

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• Capital One Quicksilver Cash Rewards Credit Card: This card is best for cash back, offering a straightforward, flat-rate rewards structure for those who value simplicity.
• Blue Cash Everyday® Card from American Express: Also a top cash back card, this option is designed to maximize rewards in specific everyday spending categories.

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Redemption

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Capital One Quicksilver Cash Rewards Credit Card: This card offers flexible redemption options, allowing cardholders to receive their cash back as a statement credit or a check.

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Blue Cash Everyday® Card from American Express: Cash back is awarded as Reward Dollars, which can be redeemed as a statement credit on your account. Terms Apply.

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Compare Top Rated Credit Cards with Kudos

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To avoid guesswork and find the best card for your specific spending habits, a tool like Kudos can provide data-driven, personalized recommendations by comparing nearly 3,000 credit cards.

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• Test Drive feature: Before you apply, you can simulate how any credit card would perform using your actual transaction history. This provides a personalized projection of annual rewards and net value, which is the calculated rewards minus any annual fees.
• Welcome offer guarantee: If you find a better welcome offer for a card you got through Kudos within three months, the platform will match it.
• Approval odds analysis: Get a detailed breakdown of your chances of being approved for different cards based on your credit report.
• Kudos Boost: Earn extra rewards on top of your regular credit card rewards when you shop at participating stores.

Who Should Choose the Capital One Quicksilver Cash Rewards?

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The Capital One Quicksilver Cash Rewards Credit Card is an excellent choice for individuals who value simplicity and want to earn straightforward cash back without the hassle of tracking rotating categories. This card is ideal for everyday spenders who want a consistent 1.5% cash back on all purchases and for travelers who can take advantage of the no foreign transaction fees. With no annual fee and a complimentary Uber One membership for 12 months, it's a strong contender for those new to credit card rewards or anyone seeking a low-maintenance card for general spending.

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

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The Blue Cash Everyday® Card from American Express is an excellent choice for everyday spenders who want to earn cash back on their regular purchases without paying an annual fee. This card is particularly well-suited for families and individuals whose budgets are heavily weighted toward U.S. supermarkets, U.S. gas stations, and U.S. online retail shopping. Its straightforward earning structure also makes it a great starting point for those new to credit card rewards or anyone who values simplicity over complex rewards programs.

Alternatives to Consider

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So you've weighed the Capital One Quicksilver vs Amex Blue Cash Everyday comparison and decided neither card is quite right for your spending habits. Fortunately, the world of cash back credit cards is vast, and there are several other excellent options to explore.

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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 good to excellent credit for approval.
• Review your spending habits: Choose a card that rewards your most frequent purchase categories.
• Consider your travel plans: Some cards are better for international use, while others are best for domestic spending.

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Application Strategy

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• Time your application: Apply before a large planned purchase to help meet any spending requirements for a welcome offer.
• Know the issuer's rules: Some issuers, like American Express, may have unique application processes or restrictions on welcome offers.
• Don't settle for a lesser offer: If you don't receive the best public offer available, consider waiting to apply 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 credit score do I need for the Capital One Quicksilver and Amex Blue Cash Everyday cards?

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Both the Capital One Quicksilver Cash Rewards Credit Card and the American Express® Blue Cash Everyday® Card generally require a good to excellent credit score, typically a FICO score of 670 or higher. However, final approval depends on a variety of factors beyond just your credit score.

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Are there annual fees for the Quicksilver and Blue Cash Everyday cards?

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No, neither the Capital One Quicksilver Cash Rewards Credit Card nor the American Express® Blue Cash Everyday® Card has an annual fee. For the American Express card, terms apply.

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Which card is better for international travel?

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The Capital One Quicksilver Cash Rewards Credit Card is the better choice for use abroad as it does not charge foreign transaction fees. The American Express® Blue Cash Everyday® Card does have a foreign transaction fee, making it less ideal for international purchases (terms apply).

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