American Express® Business Gold Card vs. Capital One Quicksilver Secured Cash Rewards
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 Quicksilver Secured Cash Rewards
Capital One
4.5
1.5% cash back on every purchase. No annual fee. $200 minimum deposit.
Full review →WealthSpott Verdict
American Express® Business Gold Card and Capital One Quicksilver Secured Cash Rewards 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 Quicksilver
Annual Fee
$375/yr
$0 Best
Sign-up Bonus
100,000 points
None
Rewards Rate
1x-4x
1.5% on all purchases
Rewards Type
Points
Cash Back
0% Intro APR
N/A
None
Regular APR
19.49%-27.49% Variable Best
29.99%
Foreign Transaction Fee
None
—
Recommended Credit Score
670-850
No credit or rebuilding
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 Quicksilver Secured Cash Rewards
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