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Capital One QuicksilverOne vs Amex Blue Business Plus: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- Capital One QuicksilverOne Cash Rewards Credit Card: This card is designed for individuals with average credit who want a simple option for everyday spending, international purchases, and building their credit profile.
- The Blue Business® Plus Credit Card from American Express: This card is designed for small-business owners and freelancers looking for a straightforward card to manage their everyday business expenses.
Capital One QuicksilverOne Cash Rewards Breakdown
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Why We Like It
Here's a breakdown of why we like the Capital One QuicksilverOne Cash Rewards .
- It provides a great opportunity for those with average credit to build their credit history while earning rewards.
- The card offers a straightforward, flat-rate cash back structure on every purchase, which makes earning rewards simple.
- It's a good companion for international travel since it doesn't charge foreign transaction fees.
Pros
- Cash back rewards are flexible, with no minimum amount required for redemption, and they don’t expire for the life of the account.
- Cardholders are automatically considered for credit line increases with responsible use, which can help improve their credit profile over time.
- You get access to exclusive events and booking perks through the Capital One Travel and Capital One Entertainment platforms.
Cons
- The card requires an annual fee and has a high variable APR, making it a costly option for those who carry a balance.
- There is no welcome bonus or introductory APR offer for new cardholders.
- It offers limited benefits and lacks the premium perks found on other rewards cards.
The Blue Business® Plus Credit Card from American Express Breakdown
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Why We Like It
Here’s a closer look at why we’re fans of The Blue Business® Plus Credit Card from American Express (See Rates & Fees).
- It offers a straightforward rewards structure that simplifies earning on all your eligible business purchases.
- This card helps business owners build their company's credit history through responsible use.
- It also provides flexible spending power to accommodate larger business purchases when needed.
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
- No annual fee, making it a cost-effective choice for businesses of all sizes.
- A simple rewards structure lets you earn points on everyday business spending without tracking bonus categories.
- Offers flexible spending power and helps build your business credit with responsible use.
Cons
- The higher rewards rate is capped annually, after which a lower rate applies.
- It offers limited travel benefits compared to more premium business cards.
- Approval generally requires a good to excellent credit history.
The Blue Business® Plus Credit Card from American Express vs Capital One QuicksilverOne Cash Rewards
Categories
Deciding which is better, Capital One QuicksilverOne or Amex Blue Business Plus, ultimately comes down to whether your primary goal is building personal credit or managing business expenses.
- Capital One QuicksilverOne Cash Rewards Credit Card: This card is best for individuals with average credit who want to build their credit profile. It's also a solid choice for those who prefer a simple rewards structure for everyday spending.
- The Blue Business® Plus Credit Card from American Express: Tailored for small-business owners, freelancers, and startups, this card is ideal for managing business expenses with a straightforward rewards program.
Redemption
Capital One QuicksilverOne Cash Rewards Credit Card: Redeeming rewards is straightforward, with options to receive your cash back as a statement credit or a check.
The Blue Business® Plus Credit Card from American Express: This card earns flexible points that can be transferred to travel partners, offering potentially higher value for flights and hotel stays.
Compare Top Rated Credit Cards with Kudos
Kudos is a financial technology platform that helps you compare nearly 3,000 credit cards to find the best fit based on your actual spending habits.
- Test drive credit cards using your real spending data to see potential earnings before you apply.
- Receive a detailed analysis of your approval odds based on your credit report.
- Get a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
- Track your progress toward credit card sign-up bonuses.
- Monitor your credit score and manage multiple cards all in one place.
- Unlock extra rewards through Kudos Boost when shopping at participating stores.
Who Should Choose the Capital One QuicksilverOne Cash Rewards?
The Capital One QuicksilverOne Cash Rewards card is primarily designed for individuals with average credit who want to build their credit score while earning rewards on their spending. Its simple, flat-rate rewards structure of unlimited 1.5% cash back on every purchase appeals to everyday spenders who prefer not to track rotating categories. Furthermore, the card is a solid option for international travelers, thanks to its lack of foreign transaction fees, and for entertainment enthusiasts seeking exclusive access to events through Capital One Entertainment.
Who Should Choose the The Blue Business® Plus Credit Card from American Express?
This card is an excellent choice for small-business owners, freelancers, and startups who prefer a straightforward, flat-rate rewards structure without an annual fee. It's particularly well-suited for businesses with annual expenses under $50,000, as it allows them to earn 2X Membership Rewards® points on all eligible everyday business purchases up to that cap, after which they earn 1X point per dollar. Additionally, new entrepreneurs can leverage their personal credit history for approval and use the card to build their business's credit profile through responsible payment history.
Alternatives to Consider
If our comparison of the Capital One QuicksilverOne Cash Rewards Credit Card vs. The Blue Business® Plus Credit Card from American Express didn't lead you to the perfect choice, don't worry. There are several other excellent options that might better suit your business's specific needs.
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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 - Make sure your score meets the card's requirements, which can range from average to excellent.
- Review issuer rules - Some issuers limit welcome offers if you already have one of their cards or have had the card before.
- Have a plan - Know how you'll meet any spending requirements for a welcome offer and how the card's rewards fit your goals.
Application Strategy
- Use the right channels. Some of the best offers are only available through specific websites or targeted links.
- Don't give up after a denial. You can often call an issuer's reconsideration line to make your case.
- Consider alternatives if needed. If a card for excellent credit is out of reach, one designed for average credit like the Capital One QuicksilverOne Cash Rewards Credit Card might be a better fit.
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
Can I apply for The Blue Business® Plus Credit Card from American Express if I don't have a registered business?
Yes, you can often apply for business credit cards like The Blue Business® Plus Credit Card from American Express as a sole proprietor using your Social Security Number. Many side hustles or freelance work activities can qualify you for a business card.
What credit score is needed for the Capital One QuicksilverOne and Amex Blue Business Plus?
The Capital One QuicksilverOne Cash Rewards Credit Card is generally marketed towards those with fair to average credit. For The Blue Business® Plus Credit Card from American Express, you will typically need a good to excellent credit score to qualify.
Do rewards earned on these cards expire?
Cash back earned with the Capital One QuicksilverOne Cash Rewards Credit Card does not expire for the life of the account. Similarly, American Express Membership Rewards points earned with the Blue Business Plus will not expire as long as your account remains open and in good standing.
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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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