Amex Graphite Business Cash Unlimited Card vs Capital One Quicksilver
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | Capital One Quicksilver | |
|---|---|---|
| Annual fee | $295 | No annual fee |
| Welcome offer | $1,500 cash back | $200 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 | Cash back only | Pools with Capital One → transferable |
| Network | Amex | Mastercard |
*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 Amex Graphite Business Cash Unlimited Card earns about $900 a year in rewards and the Capital One Quicksilver about $675, valuing every point at a flat 1 cent. The Amex Graphite Business Cash Unlimited Card charges $295, which you clear through its rewards and perks. The Capital One Quicksilver has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Capital One Quicksilver delivers more total value, about $70 a year more for a typical spender, mostly because it skips the annual fee the other charges. The bigger difference is the ceiling: the Capital One Quicksilver earns points you can move to travel partners for outsized value, while the Amex Graphite Business Cash Unlimited Card pays plain cash back. Favor the Capital One Quicksilver if you will use travel transfers, the Amex Graphite Business Cash Unlimited Card if you want simplicity. On the sign-up bonus, the Amex Graphite Business Cash Unlimited Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Amex Graphite Business Cash Unlimited Card if your spending leans toward advertising, shipping, office supplies.