Head-to-head · 🇺🇸 United States
Capital One Quicksilver vs Amex Business Platinum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Quicksilver
VISA
Wins 2 of 10
US
Premium
American Express
Amex Business Platinum
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Capital One Quicksilver | Amex Business Platinum |
|---|---|---|
| Annual fee | No annual fee | · $695 |
| Joining fee | = None | = None |
| Top reward rate | · 1.5% (general) | 5% (travel) |
| Base reward rate | = 1.5% | = 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $200 cashback after $500 in first 3 months | = 150,000 Membership Rewards points after $20,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
Capital One Quicksilver
- 1.5% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No foreign transaction fees
- No annual fee
- 0% intro APR for 15 months
Amex Business Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
FAQ
›Capital One Quicksilver vs Amex Business Platinum: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Quicksilver wins on 2 criteria, Amex Business Platinum on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Quicksilver for its best categories, Amex Business Platinum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Quicksilver: $200 cashback after $500 in first 3 months. Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months.