Amex Blue Cash Everyday vs. Capital One Quicksilver

You'll get more cash back in your wallet with the Blue Cash Everyday Card if you spend a lot on groceries and gas. The Quicksilver card's 1.5% cash back rate is hard to overlook. Learn what makes the best card stand out.

Earn more cash-back with Blue Cash Everyday

The Blue Cash Everyday Card from Amex and the Capital One Quicksilver Cash Rewards Card are both cash-back credit cards that have no annual fee — but you'll get more cash back in your wallet with the Blue Cash Everyday Card.

Instead of just earning a flat 1.5% on all of your purchases (looking at you, Capital One Quicksilver!), the Blue Cash Everyday Card gives you 3% back at supermarkets, 2% back at gas stations and select department stores, and 1% back on all other purchases.

So if you spend a lot of money on groceries and gas (which most of us do!), the Blue Cash Everyday Card is the winner.

Annual trips to the grocery and gas stations

Plus, you'll get 0% APR for 12 months on purchases and balance transfers.

And if you spend $1,000 on the card within three months of opening it, you'll get a $150 statement credit.

Blue Cash Everyday's 0% rate period is longer

Folks smart about money understand that zeros matter a lot—especially when it comes to a balance transfer rate. And great offers that tout them win out every time!

Borrow on the cheap. The Blue Cash Everyday Card gives you three more months of 0% APR on purchases and balance transfers—that's 25% longer than the Capital One Quicksilver Card.

Rack up cash back. If you spend a lot of money each month at the grocery store and on gas, you'll rack up more cash-back by using the Blue Cash Everyday Card.

That's because instead of earning just 1.5% cash back on all purchases, you'll receive 3% back at supermarkets and 2% back on gas and at select department stores. You'll also get 1% back on all other purchases.

So if you spend $500 a month on groceries, $100 a month on gas, and $300 on other stuff, you'll earn $240 a year in cash-back— more than you would with the Capital One Quicksilver card.

People love Amex's Blue Cash Everyday Card because it offers bonus cash back on everyday essentials

Those with larger families, especially, find they get more cash-back when they use the Amex Blue Cash Everyday card for their household expenditures—particularly if they visit the grocery store multiple times a week.

Card Satisfaction Ratings

Purchases at the big supermarkets like Shoprite and Stop & Shop earn 3% cash back, up to $6,000 per year.

Gas station purchases earn 2% back.

And shopping at certain department stores, including Macy's, Kohl's, and Bloomingdale's, earn 2% cash back.

User and consumer PD takes it one step further by purchasing gift cards at the supermarket—earning bonus cash-back since it is a grocery store purchase.

Another user, Darek, buys Gulf gas cards at his grocery store using the Blue Cash card.

"This works out best for me overall since the Gulf station right next to my grocery store is usually the cheapest gas in the area, AND it doesn't charge an additional amount for using a credit(or gift) card," he says.

Those who spend a lot in these bonus categories earn cash quicker than those with a regular cash-back credit card with a standard 1% or 1.5% cash-back rate.

The biggest customer complaint about the Blue Cash Everyday is its 2.7% foreign transaction fee

The Blue Cash Everyday is a smart choice for your wallet—but only within the continental United States.

When traveling abroad, customers say they prefer a credit card without a foreign transaction fee—saving them 2.7% on all of their purchases.

In addition, the bonus cash-back on categories like groceries and gas do not apply outside of the United States.

The 2.7% foreign transaction fee is not "enough to make me shun my cards when traveling abroad, but it would be nice to have a card with no transaction fee," says Nickel, who blogs about credit cards and personal finance on the blog FiveCentNickel.

The takeaway

The Blue Cash Everyday Card from American Express is perfect for those who spend a lot at supermarkets, gas stations, and department stores—where they'll earn bonus cash-back.

The Simplicity of Capital One Quicksilver Cash Rewards

If you're not a big spender in any of the bonus categories — like supermarkets, gas stations, and department stores — or you just don't want to keep track of categories and percentages (ugh — math!), you may be better off with the Capital One Quicksilver Cash Rewards credit card. Here's why:

Easy cash back model. With the Capital One Quicksilver card, you'll earn 1.5 % cash back rewards on everything you buy—how simple is that?!

You don't need to keep track of different bonus categories or worry whether this is the best rewards credit card to use.

Better bet if you aren't big on groceries and gas. If you don't spend much money on groceries or gas (perhaps you eat out a lot and don't own a car), then Capital One Quicksilver's 1.5% cash back beats the mere 1% cash back that the Blue Cash Everyday card offers on regular spending.

Good choice for travel abroad. Since the Capital One Quicksilver card doesn't charge a foreign transaction fee, it's a better choice for traveling abroad than the Blue Cash Everyday, which charges 2.7% on foreign transactions.

Less spend required to earn the bonus. Both the Capital One Quicksilver and the Blue Cash Everyday cards offer a $150 sign-up bonus—but you only need to spend $500 within three months to earn the bonus on the Quicksilver, while you need to spend twice that to get the Blue Cash Everyday bonus.

People love Capital One Quicksilver because of its Spotify promotion

Through April 2018, Quicksilver cardholders will receive 50% back as a statement credit on their monthly Spotify Premium subscription.

Spotify Global Monthly Active Users

This offer is open to new and existing Spotify Premium users, as long as they pay for the monthly service using their Quicksilver credit card.

The biggest customer complaint about Capital One Quicksilver is that they can earn more rewards on travel and bonus categories with other cards.

Capital One Quicksilver's draw—unlimited 1.5% cash back on all purchases—"could also be a drawback: you can't earn any more than 1.5% cash-back," says Jennifer Koebele, a writer for UpgradedPoints.com.

Consumers who spend a lot of money each month on groceries and gas would do better with our frontrunner Amex Blue Cash Everyday card, which offers 3% cash back on groceries and 2% cash back on gas.

Those who travel frequently can often earn points on cards like the Citi Prestige Card or an airline-affiliated credit card, which are worth more than 1.5% cash back when redeemed for travel.

Speaking of… If you'd like to see some of the best frequent flyer cards out there, you have to read my piece, Top Credit Cards for Frequent Flyers.

The takeaway

The Capital One Quicksilver card is a better bet for those who don't spend much on groceries or gas—but for many who do, they'll earn more cash-back with the Blue Cash Everyday Card.

Head to Head: American Express vs. Capital One

American Express

American Express is the fourth-largest credit card company, with 58 million cardholders.

The company hasn't been doing too well of late, however, due in part to losing its partnership with Costco in 2015.

Tina Fey is the spokesperson for Amex. In one commercial, she whips out her American Express card and offers to pay for her companion's meal, adding that "with cash-back, it's like everything's on sale."

Capital One

Capital One has 45 million cardholders (coming in seventh among the top 10 credit card issuers).

The Quicksilver card is named after the element, Mercury, the only metal that is liquid at room temperature.

The Quicksilver card is all about its liquid (i.e., cash) rewards.

Both offer cash-back rewards with 0% APR

Amex and Capital One both have cash-back rewards credit cards that offer 0% interest for a limited period of time and no annual fee.

The good and the bad about Amex Blue Cash Everyday services

Amex's Blue Cash Everyday card offers alengthy 0% interest promotional period.

But don't forget the balance transfer fee. With the American Express Blue Cash Everyday card, you'll have 15 months with zero interest.

This should buy you time to pay off purchases and balance transfers. Just don't forget that 3% fee on the initial balance transfer amount.

"Ch-ching" on everyday purchases. You'll earn 3% back on groceries, 2% cash back on gas and at select department stores, and 1% back on everything else.

But you could earn more cash back. Other cards, including the Capital One Quicksilver, offer a flat cash-back rate of 1.5% on non-bonus category spending.

Great travel perks. Ashley S. says that she "loves the Blue Cash card," adding that "it's great for travel—car rental programs give discounts for American Express cardholders."

U.S. Rental Car Satisfaction Study

The good and the bad about Capital One Quicksilver's services

Capital One Quicksilver is a no-annual-fee credit card that doesn't charge any interest for 9 months—great to help you pay down debt from other high-interest credit cards.

But it also charges a balance transfer fee. This one incurs a 3% fee on the initial balance transfer amount as well.

And you'll get less time at 0% interest.The extra half a year that the Blue Cash Everyday card provides can be helpful as you work to save up or pay off other debts.

Enjoy easy cash-back equations. Ditch the percentage math—with the Capital One Quicksilver card, you'll earn 1.5% cash back on all purchases at all times.

This is less than you'll earn on gas and groceries with the Blue Cash card, but better than the Blue Cash's earnings on non-bonus category spending (1.5% rather than 1%).

The takeaway

Both cash-back cards have no annual fee, but the Blue Cash Everyday card gives you 6 extra months of 0% interest and up to 3% cash back on groceries.

Both credit cards give you a $150 sign-up bonus

When you sign up for either of these credit cards, you'll earn a helpful $150 sign-up bonus.

Amex Blue Cash Everyday card's $150 sign-up bonus is a good one, but you'll need to spend $1,000 in the first three months to earn it.

Whereas…

You'll get that same $150 sign-up bonus with the Capital One Quicksilver card—but you'll only have to spend $500 within three months!

The bad news is that, because it is a sign-up bonus, it's only a one-time deal.

The takeaway

The Capital One Quicksilver card makes it easy to earn the $150 sign-up bonus—just spend $500 rather than $1,000.

Both offer buyer protection benefits

In addition to sign-up bonuses and cash-back, both credit card companies offer a variety of consumer protection benefits and insurance programs.

Amex Blue Cash Everyday benefits

American Express is known for its top-notch consumer protection benefits. For Blue Cash Everyday cardholders, these benefits include:

Enjoy product protection. When you use your Amex card for eligible purchases, theft, and accidental damage can be covered by Purchase Protection for up to 90 days (up to $1,000 per occurrence, $50,000 per calendar year).

Don't get hit by fraud. Amex cards come with fraud protection, so you won't be responsible for fraudulent charges.

Return products later than the store says you can. If you try to return an eligible item purchased with your card within 90 days from the date of purchase and the merchant won't take it back, Return Protection may provide a refund.

(Limited to $300 per item and $1,000 per calendar year).

Top Reasons Why Consumers Return Products Bought Online

Have car service a la AAA. Amex's Roadside Assistance Hotline will send someone to tow your car, change a flat tire, or boost your battery (though you'll pay for the third-party service costs).

Get your warranty extended for free. With Extended Warranty, the length of your warranty can be matched for up to one additional year when you use your American Express card for eligible purchases.

Capital One Quicksilver benefits

The Quicksilver card offers premium benefits that are included in its Visa Signature program.

Redeem cash-back anytime. You can redeem your rewards for any amount of cash-back.

Your rewards don't expire as long as your account is open.

Use this card when you fly abroad. You won't pay a transaction fee when making purchases outside of the United States.

This card offers protection. You're covered by $0 Fraud Liability if your card is ever lost or stolen.

You can also sign up for security alert emails or text messages to stay on top of the security of your account.

Enjoy an upgrade, gratis. Receive complimentary upgrades (when available) and special savings at hotels, resorts, and spas.

Have the concierge make the reservation for you. Enjoy assistance 24 hours a day, from home and when you travel, via Visa Signature Concierge.

No need to purchase extra insurance on your car rental. Receive coverage at no additional cost for damage due to collision or theft when renting an eligible vehicle.

Bought a lemon? You'll get additional warranty protection at no charge on items that are purchased with your credit card.

The takeaway

Both Amex and Capital One offer many purchase protection and related benefits that can make travel simpler and more enjoyable.

Neither card charges an annual fee

While both of these cash-back credit cards don't charge an annual fee, there are other fees to be aware of.

Amex Blue Cash Everyday's costs and fees

The no annual fee is a big all-around winner here, but for those who love to travel, the foreign transaction fee may sour things.

No pay-to-play is a plus. You'll earn cash back rewards without having to pay an annual fee for the privilege.

But traveling will be pricier. If you use the Amex Blue Cash Everyday card abroad, you'll pay a 2.7% fee on all purchases.

Other fees are fairly standard. As with most credit cards, you'll pay a 3% fee on the amount of each balance transfer.

The Amex Blue Cash Everyday comes out ahead of the Quicksilver in this category, however, thanks to its $5 minimum vs. Quicksilver's $10.

The same rule applies to all cash advances. If you miss a payment on your credit card bill, you'll be hit with a $38 fee.

Capital One Quicksilver's costs and fees

Global travelers will prefer the Quicksilver over the Blue Cash Everyday card because it doesn't charge a foreign transaction fee.

No cost for keeping this in your wallet. You won't have to pay a fee each year to use this credit card.

Use this card when heading abroad. This is a good card to use when traveling around the globe because there is no foreign transaction fee.

U.S. Citizen Travel to International Region

Watch for standard fees that still apply. While you won't pay interest on balance transfers for 9 months, there is a 3% fee applied to each transfer to your account.

You'll also pay 3% of the amount of each cash advance (minimum $10). And if you submit a late payment, you'll be on the hook for up to $35.

The takeaway

While there is no annual fee, if you do a balance transfer you'll pay 3% of the amount being transferred—on both cards.

American Express has superior customer service

If you encounter a problem when using your credit card, you'll be better off if the card in your wallet is issued by American Express.

American Express' customer service

Customers are generally very happy with the customer service provided by American Express.

Great customer service. "Their customer service is very courteous and helpful," noted Amex Blue Cash Everyday card holder Zarah Abigail P. from California.

But it's not accepted everywhere. One issue Amex cardholders have encountered is that American Express isn't accepted everywhere—particularly when it comes to small businesses that look askance at its high fees.

Cardholder Briel M. of Tuskahoma, OK said, "I've had some problems of smaller retailers not accepting Amex… I [once] had to get money wired to me."

Capital One's customer service

Capital One was the most complained about credit card company, according to data provided by the Consumer Financial Protection Bureau, which operates a credit card complaint portal. Uh oh…

Mishandling of fraudulent transactions. Several consumers complained that their account was shut down after a fraudulent transaction and that it was difficult to get Capital One to rectify the situation.

Providing incorrect information. David wrote on Consumer Affairs that he called Capital One and a customer service representative agreed to extend his due date by a month.

However the company still charged him a late fee despite the original customer service representative assuring him otherwise.

The takeaway

American Express offers far better customer service than Capital One.

Mobile apps make monitoring a breeze

Both Amex and Capital One offer mobile apps for Apple and Android devices to help you monitor your credit card activity on the go.

American Express' mobile app

Review recent credit card charges easily and quickly on the Amex mobile app, a free app that can be downloaded on your iPhone or Android device.

Easy (free) download. To get the Amex mobile app, just text MOBILE to 86509 and receive a text message with the link to download the app.

Use the app to protect your account. You can use the app to pay your bill, view and redeem rewards, and receive real-time fraud alerts.

Capital One's mobile app

Capital One's mobile app makes it simple to check your account balances, transfer money, deposit checks, and pay bills while you're on the go.

Stellar app ratings. The app received good ratings and reviews in both the Google Play store (4.6 stars) and iTunes (4.5 stars).

"The app is simple and easy. I love that I get notifications instantly when the card is used. I've prevented some fraud because of it," writes user Brandi Stroh.

Be aware of updates. Some Apple users reported the latest version of the app crashing on their devices.

And some features—like setting up an online account or canceling certain transfers—still need to be done from a desktop computer as opposed to the mobile app.

Preferred Banking Method

The takeaway

Prevent fraud and keep track of spending by downloading the credit card company's mobile app.

How to sign up

The best way to sign up for a new cash-back credit card is to visit the card issuer's website.

You'll need your Social Security number handy, and you'll also have to enter information about your employer and salary.

Best way to begin with Blue Cash Everyday

You can sign up for the Amex Blue Cash Everyday card on the American Express website.

At the time of this writing, the card is offering a $150 bonus when you spend $1,000 within three months.

Note that you'll need a credit score over 700 to qualify for this card.

Best way to begin with Capital One Quicksilver

You can visit the Capital One website to sign up for the Quicksilver card.

You'll earn a $150 sign-up bonus when you spend just $500 within three months.

Keep in mind that you'll need a credit score greater than 680 to qualify.

Canceling your card

If you'd like to cancel either your Capital One Quicksilver or Amex Blue Cash Everyday credit cards, just call the customer service number on the back of your credit card—that way, you'll reach a customer service agent who specializes in your credit card.

With both cards, you'll have to pay off your balance before the account can be closed.

Be sure to redeem any cash-back available before closing the account, or risk forfeiting it.

Frequently Asked Questions

  • What does each card provider offer new customers as incentives?

    The Amex Blue Cash Everyday Card provides a sign-up bonus in the form of a $100 statement credit when cardholders spend $1,000 on the card within three months of opening the account.

    The Capital One Quicksilver card offers a $150 bonus when you spend $500 within three months.

  • What does each card provider offer as ongoing incentives for loyal customers?

    The Capital One Quicksilver provides 1.5% cash back on all purchases.

    The Amex Blue Cash Everyday card gives you 3% back on all grocery purchases, 2% for gas and department store purchases, and 1% cash back on everything else.

  • Which offers a better 0% interest promotion?

    The Amex Blue Cash Everyday—you'll get 12 months as opposed to only 9 months with the Capital One Quicksilver.

  • What are the interest rates for each card provider?

    After the introductory period, Capital One Quicksilver charges between 13.99-23.99% interest, depending on your credit.

    Amex Blue Cash Everyday charges between 13.99-24.99% after the introductory period.

  • Does either card have an annual fee?

    No.

  • What about a foreign transaction fee?

    Yes, the Blue Cash Everyday Card charges a 2.7% fee on each foreign transaction.

    There is no foreign transaction fee on the Capital One Quicksilver.

  • What credit score range should you be in before applying for each card?

    Both credit cards are marketed to people with excellent credit (a credit score over 720).

It's close, but the AMEX Blue Cash Everyday card wins out

When it comes to cash back rewards cards, a card with no annual fee is the way to go.

If you're spending a lot of money each month on groceries, gas, and department store purchases, we recommend the Amex Blue Cash Everyday card over the Capital One Quicksilver since you'll earn up to 3% back, as compared with a flat 1.5% cash back.

Plus, you'll have an extra six months to use the 0% interest promotional rate on purchases and balance transfers.

Just be aware that if you are flying internationally, the Blue Cash Everyday card charges a 2.7% foreign transaction fee, while the Capital One Quicksilver has no foreign transaction fee.

So as long as you're staying within America—and buying groceries and gas—stick with the Amex Blue Cash Everyday Card.

Since you're interested in a cash-back rewards credit cards like Amex Blue Cash Everyday or Capital One Quicksilver, then you may want to check out these reviews and articles.

Do you use the Amex Blue Cash Everyday or Capital One Quicksilver? How has it worked out for you? Any great tips (or nightmares) to share with the rest of us? Let us know in the comments below.


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