Blue Cash Everyday Card from American Express vs Capital One Quicksilver Cash Rewards Credit Card
Both cards cost $0/yr. The Blue Cash Everyday Card from American Express leads on gas stations; the Capital One Quicksilver Cash Rewards Credit Card on travel.
Card data as of October 12, 2026.
Blue Cash Everyday Card from American ExpressAmerican Express · No annual fee
Capital One Quicksilver Cash Rewards Credit CardCapital One · No annual fee
Overview
- Annual fee
- Blue Cash Everyday Card from American Express$0Capital One Quicksilver Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Blue Cash Everyday Card from American ExpressAs high as $200 cash back — offers varyCapital One Quicksilver Cash Rewards Credit Card$200 cash back
- Rewards
- Blue Cash Everyday Card from American ExpressCash backCapital One Quicksilver Cash Rewards Credit CardCash back
- Foreign transaction fee
- Blue Cash Everyday Card from American Express2.7%Capital One Quicksilver Cash Rewards Credit CardNoneLowest
- Network
- Blue Cash Everyday Card from American ExpressAmerican ExpressCapital One Quicksilver Cash Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Gas Stations
- Blue Cash Everyday Card from American Express3%HighestCapital One Quicksilver Cash Rewards Credit Card1.5%
- Grocery Stores
- Blue Cash Everyday Card from American Express3%HighestCapital One Quicksilver Cash Rewards Credit Card1.5%
- Online Shopping
- Blue Cash Everyday Card from American Express3%HighestCapital One Quicksilver Cash Rewards Credit Card1.5%
- Department Stores
- Blue Cash Everyday Card from American Express2%HighestCapital One Quicksilver Cash Rewards Credit Card1.5%
- Everything else
- Blue Cash Everyday Card from American Express1%Capital One Quicksilver Cash Rewards Credit Card1.5%Highest
Statement creditsAs the issuer states them · — means none on record
- Entertainment & streaming
- Blue Cash Everyday Card from American Express
- $7/mo Disney+ · $7 monthly
Capital One Quicksilver Cash Rewards Credit Card—
Perks & access— means none on record
- Other perks
- Blue Cash Everyday Card from American Express
- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
Capital One Quicksilver Cash Rewards Credit Card- No Foreign Transaction Fees
- 24/7 Travel Assistance Services Worldwide
- Capital One Dining
- Complimentary Concierge Service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Blue Cash Everyday Card from American Express—Capital One Quicksilver Cash Rewards Credit Card
- Travel Accident Insurance Up to $1,000,000
- Rental car
- Blue Cash Everyday Card from American Express
- Car Rental Loss and Damage Insurance
Capital One Quicksilver Cash Rewards Credit Card— - Purchase & returns
- Blue Cash Everyday Card from American Express
- Up to $1,000 per item against damage or theft
Capital One Quicksilver Cash Rewards Credit Card— - Extended warranty
- Blue Cash Everyday Card from American Express—Capital One Quicksilver Cash Rewards Credit Card
- Extended Warranty Doubles Coverage, Up to 24 Months
- Other protections
- Blue Cash Everyday Card from American Express
- Zero liability protection on fraudulent charges
Capital One Quicksilver Cash Rewards Credit Card- Free Credit Monitoring with CreditWise
Pros & cons
- Pros
- Blue Cash Everyday Card from American Express
- No annual fee with solid category rewards
- 3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
- Up to $84/year Disney Bundle credit for streaming subscriptions
- 0% intro APR for 15 months on purchases (3 months longer than Preferred)
- As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)
Capital One Quicksilver Cash Rewards Credit Card- No annual fee keeps costs at zero
- Unlimited 1.5% cash back on all purchases with no caps or rotating categories
- No foreign transaction fees saves 3% on international purchases
- 5% back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Low $500 spend requirement for welcome bonus is easy to meet
- Cons
- Blue Cash Everyday Card from American Express
- 3% grocery rate is half of Blue Cash Preferred's 6%
- 2.7% foreign transaction fee makes it unsuitable for travel
- 3% rates on gas and online retail are capped at $6,000/year each
- 1% back on non-category purchases is below average
- $6,000 annual cap on grocery bonus limits heavy spenders
Capital One Quicksilver Cash Rewards Credit Card- 1.5% flat rate is lower than category-specific cards offer in their bonus categories
- No transfer partners for airline or hotel loyalty programs
- Lacks premium travel protections like trip delay or primary rental car insurance
- Welcome bonus amount is modest compared to premium travel cards
- No bonus categories for everyday spending like dining or groceries
Expert Analysis
The Blue Cash Everyday Card from American Express and Capital One Quicksilver Cash Rewards Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Blue Cash Everyday Card from American Express's strongest category is Grocery Stores at 3X, while the Capital One Quicksilver Cash Rewards Credit Card leads with 5X on Entertainment. Overall, the Blue Cash Everyday Card from American Express wins in more bonus categories (4 vs 1) — so the better choice depends on where you spend the most.
Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Blue Cash Everyday Card from American Express earns 3X on Grocery Stores vs 1.5X for the other
- Blue Cash Everyday Card from American Express earns 3X on Online Shopping vs 1.5X for the other
- Blue Cash Everyday Card from American Express earns 2X on Gas Stations vs 1.5X for the other
- Capital One Quicksilver Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X on non-bonus spending)
- Different networks: Blue Cash Everyday Card from American Express is AMEX, Capital One Quicksilver Cash Rewards Credit Card is MASTERCARD
Spending Scenarios
Which card wins in real-world spending situations?
$600/month on grocery stores
Blue Cash Everyday Card from American ExpressBlue Cash Everyday Card from American Express earns 3X vs 1.5X. Over a year, that's 21,600 vs 10,800 points — a 10,800-point advantage.
$200/month on online shopping
Blue Cash Everyday Card from American ExpressBlue Cash Everyday Card from American Express earns 3X vs 1.5X. Over a year, that's 7,200 vs 3,600 points — a 3,600-point advantage.
$100/month on entertainment
Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X. Over a year, that's 6,000 vs 1,200 points — a 4,800-point advantage.
Who Should Get Which?
Get the Blue Cash Everyday Card from American Express if:
The Blue Cash Everyday Card from American Express is ideal for cardholders who prioritize spending heavily on grocery stores and online shopping. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Capital One Quicksilver Cash Rewards Credit Card if:
The Capital One Quicksilver Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on entertainment and earning more on everyday purchases. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Capital One Quicksilver Cash Rewards Credit Card wins in 2 of 3 categories. The Blue Cash Everyday Card from American Express leads in 1. 3 more categories depend on booking channel or caps.
Gas Stations
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Capital One Quicksilver Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Department Stores
Blue Cash Everyday Card from American Express earns 2X vs 1.5X
Grocery Stores
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Capital One Quicksilver Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Online Shopping
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Capital One Quicksilver Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Travel
Capital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Everyday purchases
Capital One Quicksilver Cash Rewards Credit Card earns 1.5X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Blue Cash Everyday Card from American Express | Capital One Quicksilver Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $162 Year one: $162 | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $380 | Close — depends on how much of the credits you use | Capital One Quicksilver Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $522 Year one: $522 | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $920 | Capital One Quicksilver Cash Rewards Credit Card | Capital One Quicksilver Cash Rewards Credit Card |
Which Card Is Right for You?
Get the Blue Cash Everyday Card from American Express if you:
- +Do most of your spending at grocery stores
Get the Capital One Quicksilver Cash Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Everyday (non-bonus) spend earns 1.5X on the Capital One Quicksilver Cash Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Blue Cash Everyday Card from American Express or Capital One Quicksilver Cash Rewards Credit Card?
- The Capital One Quicksilver Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Blue Cash Everyday Card from American Express or the Capital One Quicksilver Cash Rewards Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Related Comparisons
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.