Capital One Quicksilver Cash Rewards Credit Card vs Hilton Honors American Express Card
Both cards cost $0/yr. The Capital One Quicksilver Cash Rewards Credit Card leads on hotels; the Hilton Honors American Express Card on dining.
Card data as of November 13, 2026.
Capital One Quicksilver Cash Rewards Credit CardCapital One · No annual fee
Hilton Honors American Express CardAmerican Express · No annual fee
Overview
- Annual fee
- Capital One Quicksilver Cash Rewards Credit Card$0Hilton Honors American Express Card$0
- Welcome offerCurrent public offer
- Capital One Quicksilver Cash Rewards Credit Card$200 cash backHilton Honors American Express Card70,000 points
- Rewards
- Capital One Quicksilver Cash Rewards Credit CardCash backHilton Honors American Express CardHilton Honors
- Foreign transaction fee
- Capital One Quicksilver Cash Rewards Credit CardNoneHilton Honors American Express CardNone
- Network
- Capital One Quicksilver Cash Rewards Credit CardMastercard World EliteHilton Honors American Express CardAmerican Express
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Capital One Quicksilver Cash Rewards Credit Card1.5%Hilton Honors American Express Card5x
- Gas Stations
- Capital One Quicksilver Cash Rewards Credit Card1.5%Hilton Honors American Express Card5x
- Grocery Stores
- Capital One Quicksilver Cash Rewards Credit Card1.5%Hilton Honors American Express Card5x
- Everything else
- Capital One Quicksilver Cash Rewards Credit Card1.5%Hilton Honors American Express Card3x
Perks & access— means none on record
- Hotel status & programs
- Capital One Quicksilver Cash Rewards Credit Card—Hilton Honors American Express Card
- Automatic Hilton Honors Silver Elite Status
- Other perks
- Capital One Quicksilver Cash Rewards Credit Card
- No Foreign Transaction Fees
- 24/7 Travel Assistance Services Worldwide
- Capital One Dining
- Complimentary Concierge Service
Hilton Honors American Express Card- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
- No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Quicksilver Cash Rewards Credit Card
- Travel Accident Insurance Up to $1,000,000
Hilton Honors American Express Card— - Rental car
- Capital One Quicksilver Cash Rewards Credit Card—Hilton Honors American Express Card
- Car rental insurance (secondary coverage)
- Purchase & returns
- Capital One Quicksilver Cash Rewards Credit Card—Hilton Honors American Express Card
- Up to $1,000 per item against damage or theft
- Extended warranty
- Capital One Quicksilver Cash Rewards Credit Card
- Extended Warranty Doubles Coverage, Up to 24 Months
Hilton Honors American Express Card— - Other protections
- Capital One Quicksilver Cash Rewards Credit Card
- Free Credit Monitoring with CreditWise
Hilton Honors American Express Card- Zero liability protection on fraudulent charges
Pros & cons
- Pros
- 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
Hilton Honors American Express Card- No annual fee ever
- Automatic Hilton Silver status with 20% bonus points and late checkout
- Path to Gold status after $20,000 annual spend
- Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
- No foreign transaction fees
- Cons
- 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
Hilton Honors American Express Card- Only Silver status (lower than Surpass/Aspire Gold grants)
- Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
- No annual credits or free night rewards
- Points locked to Hilton with no transfer flexibility
- Amex network less accepted internationally than Visa/Mastercard
Expert Analysis
The Capital One Quicksilver Cash Rewards Credit Card and Hilton Honors American Express 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 Capital One Quicksilver Cash Rewards Credit Card's strongest category is Entertainment at 5X, while the Hilton Honors American Express Card leads with 7X on Hilton Properties. Overall, the Hilton Honors American Express Card wins in more bonus categories (5 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
- Capital One Quicksilver Cash Rewards Credit Card earns 5X on Entertainment vs 3X for the other
- Hilton Honors American Express Card earns 7X on Hilton Properties vs 1.5X for the other
- Hilton Honors American Express Card earns 7X on Hilton Hotels Resorts vs 1.5X for the other
- Hilton Honors American Express Card has a higher base earn rate (3X vs 1.5X on non-bonus spending)
- Different networks: Capital One Quicksilver Cash Rewards Credit Card is MASTERCARD, Hilton Honors American Express Card is AMEX
Spending Scenarios
Which card wins in real-world spending situations?
$100/month on entertainment
Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit Card earns 5X vs 3X. Over a year, that's 6,000 vs 3,600 points — a 2,400-point advantage.
$200/month on hilton properties
Hilton Honors American Express CardHilton Honors American Express Card earns 7X vs 1.5X. Over a year, that's 16,800 vs 3,600 points — a 13,200-point advantage.
$200/month on hilton hotels resorts
Hilton Honors American Express CardHilton Honors American Express Card earns 7X vs 1.5X. Over a year, that's 16,800 vs 3,600 points — a 13,200-point advantage.
Who Should Get Which?
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. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Hilton Honors American Express Card if:
The Hilton Honors American Express Card is ideal for cardholders who prioritize spending heavily on hilton properties and hilton hotels resorts 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 Hilton Honors American Express Card wins in 4 of 4 categories. The Capital One Quicksilver Cash Rewards Credit Card leads in 0. 3 more categories depend on booking channel or caps.
Hotels
Depends: via issuer travel portal; Book eligible hotels through Capital One Travel using this card; purchases outside the portal earn 1.5%.
Capital One Quicksilver Cash Rewards Credit Card earns 5X when conditions are met; Hilton Honors American Express Card earns 3X (3X without restrictions)
Vacation Rentals
Depends: via issuer travel portal; Book eligible vacation rentals through Capital One Travel using this card; purchases outside the portal earn 1.5%.
Capital One Quicksilver Cash Rewards Credit Card earns 5X when conditions are met; Hilton Honors American Express Card earns 3X (3X without restrictions)
Car Rentals
Depends: via issuer travel portal; Book eligible rental cars through Capital One Travel using this card; purchases outside the portal earn 1.5%.
Capital One Quicksilver Cash Rewards Credit Card earns 5X when conditions are met; Hilton Honors American Express Card earns 3X (3X without restrictions)
Dining
Hilton Honors American Express Card earns 5X vs 1.5X
Grocery Stores
Hilton Honors American Express Card earns 5X vs 1.5X
Gas Stations
Hilton Honors American Express Card earns 5X vs 1.5X
Everyday purchases
Hilton Honors American Express Card earns 3X on all other spending vs 1.5X
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.
Both scenarios favor the Hilton Honors American Express Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One Quicksilver Cash Rewards Credit Card | Hilton Honors American Express Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $380 | Rewards: $182 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $182 Year one: $462 | Hilton Honors American Express Card | Hilton Honors American Express Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $920 | Rewards: $730 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $730 Year one: $1,010 | Hilton Honors American Express Card | Hilton Honors American Express Card |
Which Card Is Right for You?
Get the Hilton Honors American Express Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Hilton Honors American Express Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 3X on the Hilton Honors American Express Card vs 1.5X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Capital One Quicksilver Cash Rewards Credit Card or Hilton Honors American Express Card?
- The Hilton Honors American Express Card has a higher base earn rate (3X vs 1.5X), but both cards have different bonus categories where they excel.
- Should I get the Capital One Quicksilver Cash Rewards Credit Card or the Hilton Honors American Express 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 November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.