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 cashback credit cards that have no annual fee—but you'll get more cash back in your wallet with the Blue Cash Everyday Card.
The Blue Cash Everyday Card gives you significant cash back percentages at supermarkets, gas stations and select department stores, as well as a lower return on all other purchases. So, if you spend a lot of money on groceries and gas (like most of us do) the Blue Cash Everyday Card is the winner.
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.
Those who spend a lot in these bonus categories earn cash quicker than those with a regular cash-back credit card.
The biggest customer complaint about the Blue Cash Everyday is its 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 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 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, you may be better off with the Capital One Quicksilver Cash Rewards credit card for these reasons:
Easy cashback model. With the Capital One Quicksilver card, you'll earn cashback 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 beats what 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 does have a fee for foreign transactions.
Less spend required to earn the bonus. Both the Capital One Quicksilver and the Blue Cash Everyday cards offer the same signup bonus—but you need to spend less within three months to earn the bonus on the Quicksilver, than you do to get the Blue Cash Everyday bonus.
The biggest customer complaint about Capital One Quicksilver is that they can earn more rewards on travel and bonus categories with other cards.
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 when redeemed for travel.
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 is the fourth-largest credit card company, with 58 million cardholders.
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 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, and with that inspiration in mind, is all about its liquid (i.e., cash) rewards.
The Capital One Quicksilver card makes it easier to earn the signup bonus.
Both offer buyer protection benefits
In addition to signup 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.
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.
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 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.
Both Amex and Capital One offer many purchase protection and related benefits that can make travel simpler and more enjoyable.
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.
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.
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.
American Express offers far better customer service than Capital One.
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. Just be aware that if you are flying internationally, the Blue Cash Everyday card charges a 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.