Capital One QuicksilverOne vs Hilton Honors Business Card: Which Is Better In 2026?

The Hilton Honors American Express Business Breakdown

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Why We Like It

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Here's a breakdown of why we're fans of this business credit card.

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• Cardholders automatically receive valuable elite status with Hilton, unlocking premium hotel perks during their stays.
• The card offers a generous rewards structure, allowing businesses to quickly accumulate points on hotel stays and everyday spending.
• The Hilton Honors American Express Business card (See Rates & Fees) comes packed with business-centric benefits like travel credits and expense management tools that add significant value.

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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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• Automatic Hilton Honors Gold status unlocks valuable in-hotel benefits, such as room upgrades and a daily food and beverage credit.
• Cardholders receive complimentary elite status with National Car Rental and have a clear path to earning Hilton’s top-tier Diamond status through card spending.
• The card is equipped with business-friendly features like no foreign transaction fees and the ability to add employee cards at no additional cost.

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Cons

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• The card has an annual fee, which may be difficult for business owners to justify if they do not frequently stay at Hilton properties.
• Hilton points are generally less valuable than points from other hotel loyalty programs, and the card offers limited airline transfer partners.
• It lacks premium travel protections like trip cancellation or delay insurance, a benefit offered by some competing business cards.

The Hilton Honors American Express Business vs Capital One QuicksilverOne Cash Rewards

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Categories

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Deciding which is better, Capital One QuicksilverOne or Hilton Honors Business Card, depends entirely on your spending habits and goals. Each card caters to a very different type of user.

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• Capital One QuicksilverOne Cash Rewards Credit Card: This card is designed for individuals with average credit who are looking to build their credit history. It's also a great fit for everyday spenders who want a straightforward rewards structure without complex categories.
• Hilton Honors American Express Business Card: This card is best suited for business owners who frequently stay at Hilton properties. It offers benefits tailored to maximize rewards and enhance the travel experience for loyal Hilton customers.

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Redemption

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Capital One QuicksilverOne Cash Rewards Credit Card: This card offers straightforward cash back that can be redeemed in flexible ways, such as a statement credit or a check, without being tied to a specific travel program.

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The Hilton Honors American Express Business Card: Rewards are earned as points within the Hilton Honors loyalty program, which are primarily redeemable for hotel stays and other travel benefits across Hilton's portfolio of properties.

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Compare Top Rated Credit Cards with Kudos

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For those looking to move beyond generic "best card" lists, Kudos offers a data-driven platform to compare nearly 3,000 credit cards and find the optimal match for your unique spending habits.

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• Simulate potential earnings from different cards using your real spending data with the ‘Test Drive’ feature.
• Receive a detailed analysis of your approval odds for various cards based on your credit report.
• Access an unbiased database of nearly 3,000 credit cards, most of which are not tied to affiliate commissions.
• Take advantage of a welcome offer guarantee, where Kudos will match a better offer if you find one within three months of applying.
• Get personalized card recommendations and actionable insights based on your transaction history.

Who Should Choose the Capital One QuicksilverOne Cash Rewards?

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The Capital One QuicksilverOne Cash Rewards card is primarily designed for individuals with average credit who are looking to build their credit history while earning straightforward rewards on their purchases. Its simple, unlimited 1.5% cash back rate on all purchases and lack of foreign transaction fees also make it a practical option for everyday spenders and international travelers. Ultimately, this card is a strong contender for anyone who prioritizes a no-fuss rewards structure and needs a tool to help improve their credit score over time.

Who Should Choose the The Hilton Honors American Express Business?

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The Hilton Honors American Express Business card is tailor-made for business owners and entrepreneurs who frequently stay at Hilton properties for work. It is particularly beneficial for small to medium-sized businesses with moderate travel budgets that want to earn rewards on their expenses. Ultimately, this card is ideal for those looking to maximize their rewards on business spending while enjoying valuable hotel elite status perks.

Alternatives to Consider

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So, you've reviewed the Capital One QuicksilverOne vs. Hilton Honors Business Card comparison and neither option feels like the right fit. Fortunately, the world of credit cards is vast, and there are several other strong contenders worth considering.

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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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• Know your credit standing: Confirm your credit score aligns with the card's requirements, which can range from average to excellent.
• Verify the card type: Determine if it's a personal card or a business card, as some, like the Hilton Business Card, require a business to apply.
• Understand issuer restrictions: Look into rules like welcome offer eligibility for existing cardmembers or other application limitations.

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Application Strategy

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• Time your application: Plan to apply before a large purchase to help meet any spending requirements for a welcome offer.
• Be strategic with your submission: Some issuers may allow you to see your specific offer before committing to a hard credit inquiry.
• Don't settle for a lesser offer: If you receive a lower offer than expected, you can sometimes decline it and reapply later without a credit score impact.

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 is needed for the Capital One QuicksilverOne card?

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The Capital One QuicksilverOne Cash Rewards Credit Card is generally designed for individuals with fair or average credit, typically corresponding to a FICO score in the 580 to 669 range. However, Capital One considers multiple factors beyond just your credit score during the application process.

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Can I apply for the Hilton Honors Business Card without a formal business?

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Yes, you can often qualify for business credit cards like The American Express® Hilton Honors Business Card even without a formally registered business. Activities like freelancing or selling items online can count as a sole proprietorship, making you eligible to apply (Terms Apply).

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Which card offers better rewards for everyday spending?

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The Capital One QuicksilverOne offers a straightforward 1.5% cash back on every purchase, making it a simple choice for everyday spending. In contrast, the Hilton Honors Business Card provides elevated points on specific business and travel categories, which may be more lucrative if your spending aligns with them.

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Are there foreign transaction fees on either card?

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Neither the Capital One QuicksilverOne nor The American Express® Hilton Honors Business Card charges foreign transaction fees, making both suitable options for purchases made abroad. For the Hilton card, Terms Apply.

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