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Capital One QuicksilverOne vs Business Green Rewards: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- The Capital One QuicksilverOne Cash Rewards card is a great option for everyday purchases, international travel, and entertainment.
- The American Express® Business Green Rewards Card is designed for small business owners to manage expenses and book travel through American Express Travel.
Capital One QuicksilverOne Cash Rewards Breakdown
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Why We Like It
Here’s a closer look at the key reasons this card stands out.
- The Capital One QuicksilverOne Cash Rewards card provides a great opportunity for those with average credit to earn rewards while building their credit history.
- It offers a straightforward, flat-rate cash back structure on every purchase, eliminating the need to track complicated bonus categories.
- Cardholders can make purchases abroad without incurring foreign transaction fees, making it a solid choice for international travel.
Pros
- It offers a simple, flat-rate cash back rewards structure on every purchase, so you don’t have to keep track of rotating categories.
- The card is designed for those with average credit, and Capital One automatically reviews accounts for potential credit line increases, helping you build credit with responsible use.
- Cardholders get access to exclusive perks through the Capital One Travel and Capital One Entertainment portals.
Cons
- The card requires an annual fee and carries a high ongoing APR.
- It doesn't offer a welcome bonus or an introductory APR for new cardmembers.
- While simple, its flat-rate rewards can be less lucrative than cards that offer bonus rewards in specific spending categories.
Business Green Rewards Card by American Express Breakdown
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Why We Like It
This section breaks down the key reasons why we like the Business Green Rewards Card by American Express (See Rates & Fees).
- It serves as an accessible entry point into the valuable American Express Membership Rewards program. Terms apply.
- The card provides helpful business management tools for tracking expenses and simplifying tax preparation. Terms apply.
- Instead of a fixed credit limit, it offers a flexible spending capacity that adapts to your business's needs. Terms apply.
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
- Flexible purchasing power that adapts to your business needs instead of a traditional credit limit. Terms apply.
- Helpful business management tools to track spending and manage employee cards. Terms apply.
- Access to the valuable Membership Rewards program with flexible point transfer options to travel partners. Terms apply.
Cons
- Limited bonus earning categories and a modest base rewards rate on most purchases.
- Charges foreign transaction fees, making it less than ideal for international business.
- Lacks premium travel perks like airport lounge access and statement credits that are common on other business cards.
Business Green Rewards Card by American Express vs Capital One QuicksilverOne Cash Rewards
Categories
When deciding which is better, Capital One QuicksilverOne or Business Green Rewards, it's crucial to understand their distinct purposes as they cater to very different users. One card focuses on building personal credit through everyday spending, while the other is designed for business owners seeking travel rewards.
- Capital One QuicksilverOne Cash Rewards Credit Card is a straightforward card for individuals with average credit who are looking to build their credit history. It's best for those who want to earn rewards on all their daily purchases without complex categories.
- Business Green Rewards Card from American Express is an entry-level business charge card ideal for small business owners and frequent travelers. This card allows entrepreneurs to earn flexible rewards on their business expenses and travel purchases.
Redemption
Capital One QuicksilverOne Cash Rewards Credit Card: Rewards are earned as straightforward cash back. You can redeem your earnings for a statement credit or a check, offering simple and direct value.
Business Green Rewards Card from American Express: This card earns points within the American Express Membership Rewards program. These points offer flexibility, as they can be redeemed for travel through the Amex portal or transferred to various airline and hotel partners.
Compare Top Rated Credit Cards with Kudos
To make the right choice, a tool like Kudos can help you compare nearly 3,000 credit cards using your real spending data to find the best fit.
- “Test drive” credit cards before you apply by simulating your potential earnings based on your actual spending history, all without impacting your credit score.
- Receive a detailed analysis of your approval odds based on your credit report.
- Take advantage of a welcome offer guarantee—if you find a better offer within three months of getting a card, Kudos will match it.
- Get personalized card recommendations that align with your spending habits to ensure you're maximizing rewards.
- Unlock exclusive offers and promotions available to the platform's members.
Who Should Choose the Capital One QuicksilverOne Cash Rewards?
The Capital One QuicksilverOne Cash Rewards credit card is an excellent choice for individuals with average credit who are looking to build their credit history while earning straightforward rewards. It's also well-suited for everyday spenders who appreciate a simple, flat-rate cash back structure and for international travelers, thanks to its lack of foreign transaction fees. Ultimately, this card serves those who want a no-fuss way to earn cash back on all purchases without needing a top-tier credit score.
Who Should Choose the Business Green Rewards Card by American Express?
The American Express® Business Green Rewards Card is an excellent starting point for small business owners, freelancers, and sole proprietors who are new to the world of business charge cards. It offers an affordable entry into the valuable Membership Rewards program, allowing businesses to earn points without committing to a premium annual fee. This card is also particularly well-suited for entrepreneurs with straightforward expenses who are looking to establish and build their business credit profile. Terms apply.
Alternatives to Consider
If our Capital One QuicksilverOne vs Business Green Rewards comparison has you feeling like neither card is the right fit, don't worry. There are several other excellent business credit cards available that might better align with your company's spending habits and reward preferences.
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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: Good to excellent credit is generally required for approval.
- Plan your spending: Ensure you can meet the minimum spend for the welcome offer through your regular expenses.
- Review Amex application rules: You may not be eligible for the welcome offer if you have or have had this card before.
Application Strategy
- Leverage your business: Apply for a business card as a sole proprietor to separate finances and build business credit.
- Know your alternatives: If denied, consider applying for a card that matches your current credit profile to help build your score.
- Think long-term: Choose a card within an ecosystem that offers valuable upgrade paths as your needs evolve.
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 a business credit card without a formal business?
Yes, you can often apply for a business credit card as a sole proprietor using your Social Security Number. Many issuers approve freelancers, gig workers, or those with a side hustle for business cards.
What credit score is needed for the QuicksilverOne and Business Green Rewards cards?
The Capital One QuicksilverOne is designed for those with fair or average credit, while the American Express® Business Green Rewards card generally requires good to excellent credit. Your credit history and other financial factors will also be considered.
Do rewards expire on these cards?
For the Capital One QuicksilverOne, your cash back rewards will not expire for the life of the account. American Express Membership Rewards points from the Business Green Rewards card also do 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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