Amex Graphite Business Cash Unlimited Card vs Capital One QuicksilverOne
Side-by-side comparison
| Amex Graphite Business Cash Unlimited Card | Capital One QuicksilverOne | |
|---|---|---|
| Annual fee | $295 | $39 |
| Welcome offer | $1,500 cash back | No current offer |
| 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 QuicksilverOne 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 QuicksilverOne charges $39, which you clear through its rewards and perks. These two are about as close as cards get: their category rates line up almost exactly, they sit in the same fee tier, and on that spending they finish within $31 of each other. The choice is not really about the rewards rate. The bigger difference is the ceiling: the Capital One QuicksilverOne 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 QuicksilverOne 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.