Search Credit Card Offers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Blue Cash Preferred® Card from American Express vs Capital One Quicksilver Student Cash Rewards Credit Card
This comparison aims to assist users in deciding between the Blue Cash Preferred® Card from American Express and the Capital One Quicksilver Student Cash Rewards Credit Card. Both cards offer unique benefits and rewards structures tailored to different spending habits and financial needs.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for individuals who frequently shop at supermarkets and enjoy streaming services. It offers a robust cash back program and various benefits aimed at maximizing rewards on everyday purchases.
Capital One Quicksilver Student Cash Rewards Credit Card
The Capital One Quicksilver Student Cash Rewards Credit Card caters to students looking to build their credit while earning cash back. With no annual fee and straightforward cash back rewards, it serves as a great entry-level credit card.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Capital One Quicksilver Student Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $0 |
| Welcome Bonus | $250 statement credit after spending $3,000 in the first 6 months | $50 after spending $100 in the first 3 months |
| Rewards Structure | 6% cash back at U.S. supermarkets, 6% on select streaming subscriptions, 3% on transit and gas, 1% on other purchases | 1.5% cash back on every purchase |
| Foreign Transaction Fee | None | None |
| Other Fees | Plan fees may apply after the first year | None |
| Additional Benefits | $84 Disney Bundle Credit, cash back redemption options | $0 Fraud Liability, card locking feature in app |
Rewards Highlights
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on groceries and streaming services
- Generous welcome bonus
- Additional benefits like Disney Bundle credit
- Cons:
- $95 annual fee after the first year
- Requires higher spending to maximize cash back potential
Capital One Quicksilver Student Cash Rewards Credit Card
- Pros:
- No annual fee
- Simple cash back structure of 1.5% on all purchases
- Great for building credit
- Cons:
- Lower cash back rates compared to Blue Cash Preferred
- Smaller welcome bonus
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is ideal for families or individuals who spend heavily on groceries and streaming services, making the most of the high cash back rates offered. Conversely, the Capital One Quicksilver Student Cash Rewards Credit Card is perfect for students or anyone looking to build their credit without incurring an annual fee, offering a straightforward rewards structure that is easy to understand and use.
Conclusion
Ultimately, both cards present valuable benefits depending on your spending habits and financial goals. Consider your typical expenses and how each card's features align with your lifestyle to make the best choice for your needs.