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American Express Gold Card vs Capital One Quicksilver Cash Rewards
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | American Express Gold CardAmerican Express | Capital One Quicksilver Cash RewardsCapital One |
|---|---|---|
| Rating | 4.7/5 | 4.3/5 |
| Annual Fee | $325 | $0 |
| APR | 20.24% - 29.24% | 18.49% - 28.49% |
| Signup Bonus | Up to 100,000 points after spending $6,000 in 6 months (targeted) | $200 cash bonus after spending $500 in 3 months |
| Rewards Rate | 4X on dining (up to $50K/yr), 4X on U.S. groceries (up to $25K/yr), 3X on flights, 1X on everything else | 1.5% cash back on every purchase, 5% on hotels and rental cars through Capital One Travel |
| Credit Score | good | good |
| Pros | 4X on dining ($50K cap) and U.S. groceries ($25K cap) is industry-leading $120 dining credit + $120 Uber Cash annually Transfer to 20+ airline and hotel partners | 1.5% unlimited cash back on every purchase with no annual fee 5% on hotels and rental cars through Capital One Travel No foreign transaction fees |
| Cons | $325 annual fee (offset by credits) No 0% intro APR offer American Express not accepted everywhere | 1.5% base rate trails 2% flat-rate competitors No bonus spending categories beyond travel portal No intro APR on purchases |
| View Details → | View Details → |
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Verdict
Our Pick: American Express Gold Card
With a 4.7/5 rating, the American Express Gold Card edges out the Capital One Quicksilver Cash Rewards (4.3/5). At $325/yr, the value proposition is strong. If you love food and travel, the Amex Gold is your card. With 4X on restaurants and groceries worldwide, plus annual dining and Uber credits that nearly offset the fee, it's a premium card disguised as a mid-tier one.