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American Express Gold Card vs Capital One QuicksilverOne 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 QuicksilverOne Cash RewardsCapital One |
|---|---|---|
| Rating | 4.7/5 | 3.8/5 |
| Annual Fee | $325 | $39 |
| APR | 20.24% - 29.24% | 30.49% |
| Signup Bonus | Up to 100,000 points after spending $6,000 in 6 months (targeted) | None |
| 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 |
| Credit Score | good | fair |
| 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% cash back on everything — rare for a fair-credit card No foreign transaction fees See if you're pre-approved with no credit impact |
| Cons | $325 annual fee (offset by credits) No 0% intro APR offer American Express not accepted everywhere | $39 annual fee High 30.49% APR No signup bonus |
| 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 QuicksilverOne Cash Rewards (3.8/5). 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.