American Express® Business Gold Card vs. Capital One QuicksilverOne
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
Full review →
Capital One QuicksilverOne
Capital One
4.4
1.5% cash back on every purchase. No annual fee.
Full review →WealthSpott Verdict
American Express® Business Gold Card and Capital One QuicksilverOne are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
American Express® Business
Capital One QuicksilverOne
Annual Fee
$375/yr
$0 Best
Sign-up Bonus
100,000 points
None
Rewards Rate
1x-4x
1.5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
19.49%-27.49% Variable Best
19.99%-29.99% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
580-740
American Express® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
Capital One QuicksilverOne
Pros
- Simple 1.5% on everything
- No foreign transaction fee
Cons
- No sign-up bonus
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