Blue Cash Everyday® Card from American Express vs Capital One Quicksilver Student Cash Rewards Credit Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

APR on purchases

APR on balance transfers

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

0% Intro APR on Purchases

0% Intro APR on Balance Transfers

Annual Statement Credits

Purchase Protection

Secondary Car Rental CDW Waiver

Amex Offers

Unique Card Benefits

Extended Warranty

No Foreign Transaction Fees

Trip Protections

Free Access to Credit Score

Blue Cash Everyday® Card from American Express

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

APR on purchases

0% Intro APR (on purchases for 15 months, 18.49%-29.49% thereafter)

APR on balance transfers

0% Intro APR (on balance transfers for 15 months, 18.49%-29.49% thereafter)

Ongoing APR

18.49%-29.49% (Variable)

Balance transfers fees

Either $5 or 3% of the amount of each transfer, whichever is greater.

Best Multiplier

3x Gas Stations

3x Groceries

3x Online Retail Shopping

1x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms apply.

Rating

(4.38) Our Review

Review

The Blue Cash Everyday® Card from American Express is a well-rounded card offering no annual fee and cash back on three key spending categories, including on online purchases. If your focus is on maximizing your earnings towards pure cash back (as opposed to travel rewards), the Everyday Card is a solid option worth considering.

If your spending aligns with purchases at U.S. supermarkets, U.S. gas stations, or U.S. online retail (who doesn’t shop at online retailers?) — and cash back is your main objective from a credit card — then this becomes an even easier decision. That’s because the Everyday Card earns 3% cash back on these three categories, up to $6,000 per calendar year in purchases in each (then 1%). In addition, the Everyday Card offers a statement credit with several merchants including select streaming services and Home Chef, a rarity for a card with no annual fee (enrollment required).

Of course, it pays to consider other options, including this card’s sister product, the Blue Cash Preferred® Card from American Express and the no-annual-fee Capital One SavorOne Cash Rewards Credit Card. Both of these cards may offer slightly more cash back depending on your monthly expenses.

Rates and fees for the Blue Cash Everyday® Card from American Express

0% Intro APR on Purchases

yes

0% Intro APR on Balance Transfers

yes

Annual Statement Credits

yes

Purchase Protection

yes

Secondary Car Rental CDW Waiver

yes

Amex Offers

yes

Unique Card Benefits

Extended Warranty

No Foreign Transaction Fees

Trip Protections

Free Access to Credit Score

Capital One Quicksilver Student Cash Rewards Credit Card

Annual Fee

Avg. Min. Credit Score

580-850

APR on purchases

APR on balance transfers

Ongoing APR

19.74%-29.74% (Variable)

Balance transfers fees

Balance Transfer Fee applies to balances transferred at a promotional rate

Best Multiplier

5x Car Rentals

5x Hotels

1.5x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

You’ll earn $50 after you spend $100 in your first three months.

Rating

(4) Our Review

Review

As far as student credit cards go, the Capital One Quicksilver Student Cash Rewards Credit Card is an easy choice since no student card offers a flat cash back rate that is higher.

With 1.5% cash back on everything, you’re both building your credit (so you can step up to credit cards with richer rewards after you graduate, and earning a nice return on your credit card spend.

Plus, you’ll get a small cash bonus when you meet the terms of the Early Spend Bonus with your new Quicksilver Student card.

Importantly, there’s no annual fee and this is not a secured credit card.

And you do have the opportunity to earn 5% cash back on hotels and rental card booked via Capital One Travel.

All around, it’s a pretty solid student credit card!

0% Intro APR on Purchases

0% Intro APR on Balance Transfers

Annual Statement Credits

Purchase Protection

Secondary Car Rental CDW Waiver

Amex Offers

Unique Card Benefits

yes

Extended Warranty

yes

No Foreign Transaction Fees

yes

Trip Protections

yes

Free Access to Credit Score

yes