The Blue Business® Plus Credit 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

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Extended Warranty

Free Access to Credit Score

0% Intro APR on Purchases

Secondary Car Rental CDW Waiver

Purchase Protection

Does Not Report Credit Line to Personal Credit Profile

Travel and Emergency Assistance Services

No Fees for Authorized Users

No Foreign Transaction Fees

Trip Protections

The Blue Business® Plus Credit 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 12 months, 17.74%-25.74% thereafter)

Ongoing APR

17.74%-25.74% (Variable)

Balance transfers fees

Best Multiplier

2x Airfare

2x Transit

2x Car Rentals

2x Cable / Internet / VOIP Phone

2x Costco

2x Gas Stations

2x Cellular Phone Service

2x Dining Out / Food Delivery

2x Hotels

2x Lyft

2x Office Supplies

2x Shipping

2x Single Charges over $5,000

2x Groceries

2x Cruises

2x Drugstores

2x Streaming Services

2x Gym Memberships

2x Advertising (Online / TV / Radio)

2x Entertainment (Concerts / Shows / Movies)

2x Advertising on Search Engines and Social Media

Avg. Point Value
(Learn More)

$0.017

Bonus Offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

Rating

(4.28) Our Review

Review

With the Blue Business Plus, small businesses can maximize their everyday business purchases, whether it’s shopping for office supplies to paying for client dinners to restocking inventory. There’s no annual fee and a nice welcome bonus to boot.

You can earn valuable Membership Rewards points at a terrific rewards rate: 2x bonus points per dollar spent on all eligible purchases, up to the first $50,000 spent per year; 1X thereafter. This makes the Blue Business Plus a great fit for businesses who don’t want to keep up with confusing bonus categories and spend less than this $50,000 limit every year. Above all, American Express Membership Rewards points are acclaimed for flexibility, as you can redeem them for travel, gift cards, charges on your statement credits, and more.

While you’ll be assigned a credit limit upon account opening, you’ll have access to Amex’s unique expanded buying power tool. This gives you the flexibility to pay for expenses potentially above your credit limit, which is important for business owners who likely have thousands of dollars of expenses every year. You’ll also get access to a 0% introductory APR rate on purchases in the first 12 months of account opening.

There are also important business expense management tools that can help you keep track of your business’s annual revenue and expenditures. With complimentary access to QuickBooks and Vendor Pay by Bill.com, the Amex Blue Business Plus is a fantastic starter card whether you own a new business or have a side hustle.

Rates and Fees for the the Blue Business® Plus Credit Card

Unique Card Benefits

yes

Extended Warranty

yes

Free Access to Credit Score

yes

0% Intro APR on Purchases

yes

Secondary Car Rental CDW Waiver

yes

Purchase Protection

yes

Does Not Report Credit Line to Personal Credit Profile

yes

Travel and Emergency Assistance Services

yes

No Fees for Authorized Users

yes

No Foreign Transaction Fees

Trip Protections

Capital One Quicksilver Student Cash Rewards Credit Card

Annual Fee

Avg. Min. Credit Score

580-850

APR on purchases

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!

Unique Card Benefits

yes

Extended Warranty

yes

Free Access to Credit Score

yes

0% Intro APR on Purchases

Secondary Car Rental CDW Waiver

Purchase Protection

Does Not Report Credit Line to Personal Credit Profile

Travel and Emergency Assistance Services

No Fees for Authorized Users

No Foreign Transaction Fees

yes

Trip Protections

yes