American Express® Gold Card vs. Capital One Quicksilver Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →
Capital One Quicksilver Cash Rewards
Capital One
4.5
1.5% cash back on every purchase. No annual fee. No foreign transaction fee.
Full review →WealthSpott Verdict
Capital One Quicksilver Cash Rewards wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Gold
Capital One Quicksilver
Annual Fee
$250/yr
$0 Best
Sign-up Bonus
60,000 points
$200
Rewards Rate
1x-4x
1.5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
See terms
19.99%-29.99% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
Capital One Quicksilver Cash Rewards
Pros
- 1.5% cash back on every purchase
- No annual fee and no foreign transaction fee
- 0% intro APR for 15 months
Cons
- No bonus categories for heavy spenders
- 1.5% rate trails the best flat-rate cards at 2%
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