Capital One Quicksilver Cash Rewards Credit Card
vs. Blue Cash Everyday® Card From American Express

Both the Capital One Quicksilver Cash Rewards Credit Card and the Blue Cash Everyday® Card from American Express are strong contenders in the cash back category, offering no annual fees and enticing introductory APR offers. But the Quicksilver edges ahead with its higher cash back score and the simplicity of its rewards program, offering unlimited 1.5% cash back on all purchases.

Although the Blue Cash Everyday offers a higher cash back rate in specific categories like supermarkets and gas stations, the Quicksilver's flat-rate reward structure may be more beneficial for those who value simplicity and consistent rewards across all spending. Nonetheless, the Blue Cash Everyday card remains a competitive option, especially if you spend heavily in its bonus categories.

You might prefer the Blue Cash Everyday if you spend significantly at U.S. supermarkets, gas stations and online retail purchases. With higher cash back rates in these categories and a welcome offer that rewards initial spending, this card maximizes returns for targeted spending habits.

You might prefer the Quicksilver if you value simplicity and flexibility in earning rewards. The flat 1.5% cash back on all purchases, coupled with a low spending threshold for the welcome bonus, makes it a straightforward choice for everyday use without tracking bonus categories.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if you frequently shop at U.S. supermarkets, the Blue Cash Everyday's higher cash back rate in that category might appeal to you, whereas the Quicksilver offers a flat cash back rate on all purchases, which could be more beneficial for varied spending.

The Blue Cash Everyday may be more appealing if your expenses align with its bonus categories. With higher cash back rates at U.S. supermarkets, online retail purchases and gas stations, it caters to specific spending habits.

On the other hand, the Quicksilver card is a solid choice for simplicity and flexibility, offering a flat 1.5% cash back on all purchases. It stands out with 5% cash back on travel booked through Capital One, appealing to frequent travelers.

If you value straightforward rewards without tracking categories, the Quicksilver's uniform cash back rate is appealing. But if your spending is concentrated in the areas where Blue Cash Everyday offers higher cash back, it could be the more rewarding option.

The table of bonus categories helps you compare the rewards programs at a glance.

Both the Blue Cash Everyday and Quicksilver cards offer user-friendly redemption processes. With the Blue Cash Everyday, you can redeem your cash back directly at Amazon.com or as a statement credit, with no minimum amount required and no worry about expiration.

The Quicksilver also provides flexibility, allowing redemptions for statement credits, checks, gift cards, and more, at any amount and any time. Additionally, the Quicksilver offers automatic redemption either at a set time each year or when a certain threshold is met, ensuring rewards are never forgotten or wasted.

MoneyGeek assesses credit cards like Quicksilver and Blue Cash Everyday using a tailored scoring system for various use cases. In this comparison, both cards are assessed for their cash back potential, which is their strongest performance area. The most significant factors in determining their scores are the cash back value of the rewards program and the return on investment for the card's offers. This approach ensures that you have a clear picture of which card may best suit your financial habits and goals.

For rates and fees of the Blue Cash Everyday® Card From American Express, please click here.