Capital One QuicksilverOne vs Amex Plum: Which Is Better In 2026?

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

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• It offers unique payment flexibility, allowing business owners to manage their cash flow more effectively.
• The card's purchasing power adapts to your business needs, which is ideal for fluctuating expenses.
• Using the card responsibly can help establish or build your business's credit history.

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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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• Offers unique payment flexibility, giving you the choice between an early-payment discount or extra time to pay your balance interest-free.
• The spending limit isn't preset, so it can adapt to your business's purchasing patterns and payment history.
• You can add employee cards at no extra cost to help streamline expense tracking.

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Cons

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• It lacks a traditional rewards program, so you won't earn points or miles on your spending.
• American Express isn't as widely accepted as Visa or Mastercard, which could be a drawback with some vendors.
• As a charge card, it's not designed for businesses that need to carry a balance from month to month.

The Plum Card® from American Express vs Capital One QuicksilverOne Cash Rewards

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Categories

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When considering which is better Capital One QuicksilverOne or Amex Plum, it's crucial to recognize they cater to distinctly different users. One card is tailored for individuals focused on building their credit, while the other is designed to offer financial flexibility to business owners.

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• Capital One QuicksilverOne Cash Rewards is best for credit builders. This card is designed for individuals with average credit who want to improve their financial profile through responsible use.
• The Plum Card® from American Express is ideal for business owners who need financial flexibility. It offers tools to help manage cash flow and adapts to a company's unique spending needs.

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Redemption

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Capital One QuicksilverOne Cash Rewards: This card offers straightforward cash back rewards that can be redeemed in several flexible ways, such as a statement credit or a check.

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The Plum Card® from American Express: This card provides a unique benefit for business owners by offering a discount on the portion of their balance that is paid early, directly reducing their statement.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a financial companion that helps you compare nearly 3,000 credit cards using your real spending data to find the perfect match for your wallet.

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• Test drive credit cards: Simulate your potential earnings with new cards using your actual spending history—no application or commitment required.
• Welcome offer guarantee: If you find a better welcome offer within three months of being approved for a card through Kudos, the platform will match it.
• Approval odds analysis: Receive a detailed analysis based on your credit report to better understand your chances of getting approved.
• Kudos Boost: Earn extra rewards on top of your credit card rewards when you shop at your favorite stores.
• $100 Kudos Kickstart+: Unlock $100 in rewards by adding select approved cards to your Kudos Wallet.

Who Should Choose the Capital One QuicksilverOne Cash Rewards?

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This card is an excellent choice for individuals with average credit, typically in the 580-670 score range, who are looking to build their credit history while earning rewards. It also suits everyday spenders and international travelers who can benefit from the straightforward, unlimited 1.5% cash back on all purchases and no foreign transaction fees, as noted in a comprehensive review. Additionally, entertainment enthusiasts will appreciate the exclusive access to special events and VIP packages through the Capital One Entertainment platform.

Who Should Choose the The Plum Card® from American Express?

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The Plum Card® from American Express is tailored for established business owners who grapple with irregular cash flow, such as those in seasonal industries like retail or construction. Its unique payment structure offers the flexibility to either pay early for a 1.5% discount or defer payment for up to 60 days with no interest, making it ideal for managing large, fluctuating monthly expenses (Terms apply). Consequently, businesses seeking traditional travel rewards or those that need to carry a balance long-term will likely find other cards more suitable.

Alternatives to Consider

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If this Capital One QuicksilverOne vs Amex Plum comparison has shown that neither the Capital One QuicksilverOne Cash Rewards card nor The Plum Card® from American Express is the right choice for your business, don't worry. Several other excellent cards might better suit your company's financial needs and spending habits.

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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: Card requirements can range from average to excellent, so know where you stand before applying.
• Plan your spending: Make sure you can naturally meet any minimum spending requirement for a welcome offer without forcing purchases.
• Research the benefits: Understand the card’s unique perks and how you’ll use them to make sure it’s the right fit for you.

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Application Strategy

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• Try different methods: If you don't see the best offer right away, try searching again later or using a different browser.
• Know your alternatives: If you're not approved, consider cards that better fit your credit profile, such as options designed for building credit.
• Time your application: Apply before a large planned purchase to help meet spending requirements or to align with a card’s specific benefits.

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 type of business is the Capital One QuicksilverOne best for?

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The Capital One QuicksilverOne Cash Rewards Credit Card is designed for business owners with fair or average credit who want straightforward cash back rewards without complex bonus categories. It's a solid choice for those looking to build their business credit history.

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Is The Plum Card from American Express a charge card?

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Yes, The Plum Card® from American Express is a charge card, meaning the balance is typically paid in full each month. It uniquely offers the flexibility to carry a balance on eligible charges for extra time to pay. Terms apply.

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What credit score is needed for the QuicksilverOne card?

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The Capital One QuicksilverOne card is marketed towards business owners with fair credit. This generally means a FICO score between 580 and 669, though Capital One considers multiple factors in an application.

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