Home › Credit cards › Compare › Capital One Quicksilver vs Hilton Honors Amex

Capital One Quicksilver vs Hilton Honors Amex

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Capital One Quicksilver leads by 4.9 pts. Scores: Capital One Quicksilver 75.9%, Hilton Honors Amex 71.0%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Quicksilver nets $346/yr, Hilton Honors Amex nets $460/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeQuicksilver: 10.0 · Amex: 10.0
Rewards rateQuicksilver: 6.0 · Amex: 10
Sign-up bonusQuicksilver: 2.7 · Amex: n/a
Intro 0% APRQuicksilver: 7.1 · Amex: 0.0
Regular APRQuicksilver: 7.3 · Amex: 7.0
Foreign transaction feeQuicksilver: 10.0 · Amex: 10.0
Regulatory record (CFPB)Quicksilver: 10.0 · Amex: 10.0

Capital One Quicksilver

IssuerCapital One
Typecash back
Annual fee$0 capitalone.com, 2026-10-11
Regular purchase APR18.74%–28.74% variable capitalone.com, 2026-10-11
RewardsUnlimited 1.5% cash back capitalone.com, 2026-10-11
Sign-up bonus (≈$)$200 $200 after $500 in 3 months capitalone.com, 2026-10-11
Intro APR15 months 0% intro APR 15 months on purchases and balance transfers capitalone.com, 2026-10-11
Foreign transaction feenone capitalone.com, 2026-10-11
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededExcellent capitalone.com, 2026-10-11
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR28.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)27.49%–28.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Hilton Honors Amex

IssuerAmerican Express
Typeno annual fee
Annual fee$0 americanexpress.com, 2026-10-12
Regular purchase APR19.74%–28.74% variable americanexpress.com, 2026-10-12
Rewards3% base; 5% dining; 5% gas; 5% groceries americanexpress.com, 2026-10-12
Sign-up bonus (≈$)not found americanexpress.com, 2026-10-12
Intro APRnone No intro APR shown americanexpress.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRPrime + 26.74% Variable: Prime Rate + 26.74% per Amex agreement rate table consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.49%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Capital One Quicksilver75.9%
Capital One · cash back
Annual fee $0APR 18.74%–28.74% variableRewards Unlimited 1.5% cash backCredit Excellent
⚠ APR up to 28.74% if you carry a balance · Late fee up to $40
Hilton Honors Amex71.0%
American Express · no annual fee
Annual fee $0APR 19.74%–28.74% variableRewards 3% base; 5% dining; 5% gas; 5% groceriesCredit 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable) · Late fee up to $40

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Capital One Quicksilver or Hilton Honors Amex?

On VaultRubric's rubric: Capital One Quicksilver scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.