Capital One Quicksilver vs Amex Business Platinum Card: Which Is Better In 2026?

The Business Platinum 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 Business Platinum Card® from American Express (See Rates & Fees).

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• It offers exceptional value for frequent business travelers through extensive travel perks like airport lounge access and elite hotel status. Terms Apply.
• Cardholders can take advantage of various statement credits for business-specific services and travel-related purchases. Terms Apply.
• The card's flexible rewards program allows points to be transferred to numerous airline and hotel partners. 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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• Extensive travel perks, including access to the American Express Global Lounge Collection and automatic elite status with hotel and car rental loyalty programs. Terms Apply.
• Valuable statement credits that can offset costs for travel and common business expenses. Terms Apply.
• Flexible Membership Rewards program with the ability to transfer points to a wide range of airline and hotel partners. Terms Apply.

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Cons

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• Comes with a high annual fee, which might not be justifiable for businesses with lower expenses.
• Maximizing the card's value can be complex, as it requires tracking multiple statement credits and enrolling in various benefits. Terms Apply.
• Bonus reward categories are somewhat limited outside of travel purchases booked through Amex Travel.

The Business Platinum Card® from American Express vs Capital One Quicksilver Cash Rewards

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Categories

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Deciding which is better, the Capital One Quicksilver or the Amex Business Platinum Card, comes down to your primary spending needs. Each card excels in a distinct category, catering to very different types of users.

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• Capital One Quicksilver Cash Rewards Credit Card: This card is designed for individuals who want a simple, no-fuss rewards card for their everyday spending, offering straightforward value without the need to track special categories.
• The Business Platinum Card® from American Express: This card is tailored for business owners who travel frequently and value premium travel experiences and perks, making it best for businesses that can leverage its extensive travel-related benefits.

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Redemption

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Capital One Quicksilver Cash Rewards Credit Card: This card provides simple cash back rewards that can be redeemed as a statement credit or a check, offering direct and flexible value.

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The Business Platinum Card® from American Express: Cardholders can redeem points for maximum value by transferring them to airline and hotel partners or by booking travel through American Express. Terms Apply.

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Compare Top Rated Credit Cards with Kudos

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To eliminate the guesswork, a financial companion like Kudos lets you compare nearly 3,000 credit cards using your real spending data to find the best options for your wallet.

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• Test drive a credit card: This feature allows you to simulate potential earnings with a new card based on your actual spending history, all without impacting your credit score.
• Approval odds analysis: Receive a detailed analysis of your approval chances for a card based on your credit report.
• Welcome offer guarantee: If you find a better welcome offer within three months of getting a card through Kudos, the platform will match it.
• Kudos Boost: Earn extra rewards on top of your credit card’s rewards when you shop with Kudos.
• Personalized matching: Get matched with new cards that will earn you the most based on your spending history.

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 the straightforward spender who values simplicity over complex reward structures. It's designed for individuals who prefer not to track rotating bonus categories and want to earn a consistent, flat cash back rate on every single purchase they make. Additionally, frequent travelers will appreciate the lack of foreign transaction fees, making it a solid, no-annual-fee option for use both at home and abroad.

Who Should Choose the The Business Platinum Card® from American Express?

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The Business Platinum Card® from American Express is built for business owners who frequently travel and have significant expenses, whether they're running a sole proprietorship or a larger corporation. Its value is most apparent for businesses with high spending in travel and technology, allowing them to earn substantial rewards and take full advantage of the card's benefits. Ultimately, it's the right choice for leaders who want to leverage premium perks like extensive lounge access, elite hotel status, and a variety of statement credits to justify the annual fee. Terms apply.

Alternatives to Consider

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So, the Capital One Quicksilver vs Amex Business Platinum Card comparison didn't reveal a winner for your wallet? No problem—let's look at a few other cards that might be a better fit.

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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 - You will generally need good to excellent credit for approval.
• Plan Your Spending - Make sure you can naturally meet the minimum spend to earn the Welcome Offer.
• Review Application Rules - Be aware of any issuer-specific rules that may affect your eligibility for the Welcome Offer.

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Application Strategy

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• Time Your Application - Apply before a large planned purchase to help meet the minimum spend requirement for the Welcome Offer.
• See Your Offer First - Some issuers, like American Express, let you see your personalized offer after a soft credit check before you commit.
• Have a Plan for Your Rewards - Research redemption options and transfer partners beforehand to ensure the card aligns with your goals.

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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Can I use a business credit card for personal expenses?

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It is strongly advised to keep business and personal spending separate, as commingling funds can create significant accounting challenges and negate liability protections. Most card issuers include terms in their agreements stipulating that business cards are intended solely for business-related expenditures.

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Is a high annual fee on a credit card ever worth it?

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A high annual fee can be well worth the cost if the cardholder fully utilizes the included benefits, such as travel credits, lounge access, and elevated rewards, to an extent that their value exceeds the fee. It requires a careful calculation of your personal spending and travel patterns to determine if you'll come out ahead.

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How do I choose between a travel card and a cash back card?

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Your decision should hinge on your primary financial goals; a cash back card offers straightforward, flexible rewards, while a travel card can provide outsized value for frequent travelers through specialized perks and point transfers. Consider whether you prefer immediate savings on everyday purchases or maximizing value for future trips.

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