Dedicated comparison page

Blue Cash Preferred Card from American Express vs Capital One Quicksilver Cash Rewards

Blue Cash Preferred Card from American Express vs Capital One Quicksilver Cash Rewards on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCapital One Quicksilver Cash RewardsNo annual fee
Highest reward rateCapital One Quicksilver Cash Rewards1.5%
Lowest starting credit rangeCapital One Quicksilver Cash Rewards640+

Quick Take

Blue Cash Preferred Card from American Express

by American Express

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Blue Cash Preferred Card from American Express is a cashback card from American Express with a $95 annual fee, $350 back after $3,000 in 6 months, and good to excellent credit.

Best for: People focused on cashback rewards who can justify a $95 annual fee and who typically have good to excellent credit.

  • 6% on Groceries
  • $350 back after $3,000 in 6 months
  • Foreign transaction fee: 2.7%
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Capital One Quicksilver Cash Rewards

by Capital One

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Capital One Quicksilver Cash Rewards is a cashback card from Capital One with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

  • $200 bonus after $500 in 3 months
  • No foreign transaction fee
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Side-by-Side Facts

MetricBlue Cash Preferred Card from American ExpressCapital One Quicksilver Cash Rewards
Annual Fee$95None
Reward Rate1.0%1.5%
Signup Bonus$350 back after $3,000 in 6 months$200 bonus after $500 in 3 months
Foreign Transaction Fee2.7%None
Recommended CreditGood to excellent creditFair to good credit
Rewards SummaryEarn elevated rewards with 6% on Groceries, 6% on Streaming and 3% on Gas, plus 1% on other purchases.Earn 1.5% on general spending.

Who Should Pick Which Card?

Blue Cash Preferred Card from American Express

Its strongest earning category is Groceries at 6%, backed by 1% on general spending.

Best for: People focused on cashback rewards who can justify a $95 annual fee and who typically have good to excellent credit.

Pros

  • $350 back after $3,000 in 6 months
  • Potentially worthwhile if you use the card enough to cover the $95 annual fee
  • Earns 6% on Groceries
  • Earns 6% on Streaming

Tradeoffs

  • Annual fee of $95 means you need ongoing value from the card
  • Foreign transaction fee of 2.7% can hurt value abroad
  • Typically requires good to excellent credit
  • Base rewards on non-bonus spending are relatively modest

Capital One Quicksilver Cash Rewards

It keeps the value proposition simple with 1.5% on everyday purchases. It also avoids foreign transaction fees.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • $200 bonus after $500 in 3 months
  • No annual fee to offset rewards
  • No foreign transaction fee

Tradeoffs

    Frequently Asked Questions

    What is the main difference between Blue Cash Preferred Card from American Express and Capital One Quicksilver Cash Rewards?

    The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

    Which card is easier to qualify for?

    Capital One Quicksilver Cash Rewards has the lowest published starting credit range in this comparison at 640.

    Which card has the lowest annual fee?

    Capital One Quicksilver Cash Rewards has the lowest annual fee in this comparison at no annual fee.