Capital One Quicksilver vs Hilton Honors Business Card: Which Is Better In 2026?

The Hilton Honors American Express Business Breakdown

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Why We Like It

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This section breaks down why we like The Hilton Honors American Express Business Card (See Rates & Fees).

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• Cardholders automatically receive Hilton Gold status, unlocking valuable in-hotel perks like room upgrades and food and beverage credits.
• The card offers multiple ways to earn statement credits and free night rewards, which can provide significant value for frequent travelers.
• It comes with business-friendly features like complimentary employee cards to help track and manage expenses.

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_{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. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Pros

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• Automatic Hilton Honors Gold status provides valuable hotel benefits like room upgrades and on-property credits.
• Offers opportunities to earn statement credits and free night rewards, enhancing the value of stays within the Hilton portfolio.
• Includes business-friendly features such as complimentary employee cards and no foreign transaction fees.

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Cons

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• The annual fee may not be justifiable for businesses that don't frequently stay at Hilton properties.
• Lacks premium travel protections, such as trip cancellation or delay insurance, which are often valued by business travelers.
• Hilton Honors points can be less valuable and offer less flexibility than other travel rewards currencies.

The Hilton Honors American Express Business vs Capital One Quicksilver Cash Rewards

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Categories

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Deciding which is better, the Capital One Quicksilver or Hilton Honors Business Card, depends entirely on your spending habits and what you want from your rewards. Each card caters to a very different type of user, from the everyday spender to the frequent business traveler.

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• Capital One Quicksilver Cash Rewards Credit Card - This card is best for individuals who want a straightforward, flat-rate cash back card for everyday purchases without having to track spending categories. It's also a solid choice for travelers who want to avoid foreign transaction fees.
• Hilton Honors American Express Business Card - This card is designed for small and medium-sized business owners who frequently stay at Hilton properties. It's ideal for those looking to maximize hotel-specific rewards and enjoy elite status benefits on their business expenses.

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Redemption

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Capital One Quicksilver Cash Rewards Credit Card: Rewards are earned as cash back, which can be redeemed at any time for any amount, typically as a statement credit or a check. The process is designed for simplicity, allowing you to easily access the value you've earned from your spending.

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Hilton Honors American Express Business Card: This card earns Hilton Honors points, which are primarily redeemed for free nights and room upgrades at hotels and resorts within the Hilton portfolio. Points can also be transferred to various airline partners or used for experiences and other travel-related purchases.

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Compare Top Rated Credit Cards with Kudos

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To make the right choice, a tool like Kudos can help you compare top-rated cards based on your own spending.

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• The ability to 'test drive' credit cards using your real spending data to see personalized earnings projections before you apply.
• Receive a detailed analysis of your approval odds based on your credit report.
• A welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
• Unlock a $100 Kudos Kickstart+ reward for adding select approved cards to your Kudos Wallet.
• Manage multiple cards, track spending, and monitor your credit score all in one place.

Who Should Choose the Capital One Quicksilver Cash Rewards?

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The Capital One Quicksilver Cash Rewards Credit Card is an excellent choice for individuals who prioritize simplicity and want to earn rewards without the hassle of tracking rotating categories or spending limits. It's particularly well-suited for everyday spenders who can benefit from a consistent, flat 1.5% cash back rate on every single purchase. With no annual fee and no foreign transaction fees, it's also a strong contender for travelers and anyone looking for a straightforward, cost-effective rewards card.

Who Should Choose the The Hilton Honors American Express Business?

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The Hilton Honors American Express® Business Card is tailor-made for business owners who frequently stay at Hilton properties and want to maximize their rewards. It's an ideal fit for entrepreneurs and small-to-medium-sized companies with moderate travel budgets looking to earn points on everyday business spending. The card delivers the most value for those who can take full advantage of automatic Hilton Gold status and other travel perks. Terms apply.

Alternatives to Consider

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If the matchup between the Capital One Quicksilver Cash Rewards and The Hilton Honors American Express® Business Card didn't yield a winner for you, several other cards are worth considering. Let's explore a few alternatives that offer different benefits or reward structures.

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_{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. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score, as most rewards cards require a good to excellent credit history for approval.
• Plan your spending to ensure you can naturally meet any minimum spend requirements for a welcome offer.
• Have a redemption plan so you know how you will use the rewards you earn.

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Application Strategy

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• Know the issuer's rules, as some have restrictions on how many cards you can have or how often you can earn a welcome offer.
• Time your application to coincide with a large planned purchase to help meet spending requirements more easily.
• Distinguish between personal and business applications, as business cards require providing your company's information.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I have both the Capital One Quicksilver and the Hilton Honors Business Card?

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Yes, you can hold both cards simultaneously as they are issued by different banks—Capital One and American Express. This can be a smart strategy to earn flexible cash back on general spending while accumulating Hilton Honors points for your travel needs.

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What is the difference between cash back and hotel points?

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Cash back rewards offer maximum flexibility, as you can redeem them for statement credits or direct deposits, effectively reducing your expenses. Hotel points are less flexible and are specifically used within a loyalty program, like Hilton Honors, to book free nights or receive other travel-related benefits.

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Which card has a simpler rewards structure?

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The Capital One Quicksilver card is known for its simplicity, offering a flat cash-back rate on all purchases without any categories to track. In contrast, the Hilton Honors Business Card has a tiered rewards system, providing different point values for spending in specific categories like Hilton stays, gas, and dining.

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