American Express® Blue Business Plus vs Capital One Quicksilver Student
Side-by-side comparison
| American Express® Blue Business Plus | Capital One Quicksilver Student | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 15,000 Membership Rewards® Points | $50 cash bonus |
| Advertising | 2% | 1.5% |
| Shipping | 2% | 1.5% |
| Office supplies | 2% | 1.5% |
| Phone & internet | 2% | 1.5% |
| Travel | 2% | 1.5% |
| Everything else | 2% | 1.5% |
| Est. yearly rewards* | $900 | $675 |
| Points type | Transfers to airlines & hotels | Pools with Capital One → transferable |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express® Blue Business Plus earns about $900 a year in rewards and the Capital One Quicksilver Student about $675, valuing every point at a flat 1 cent. The American Express® Blue Business Plus has no annual fee, so its rewards are all profit. The Capital One Quicksilver Student has no annual fee, so its rewards are all profit. Counting rewards and any credits, the American Express® Blue Business Plus delivers more total value, about $225 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the American Express® Blue Business Plus currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Blue Business Plus if your spending leans toward advertising, shipping, office supplies.