Macy's American Express Card vs Capital One Quicksilver Student Cash Rewards Credit Card

Side-by-side comparison of Macy's American Express Card and Capital One Quicksilver Student Cash Rewards Credit Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Macy's American Express Card	Capital One Quicksilver Student Cash Rewards Credit Card
Issuer	Citibank	Capital One
Network	American Express	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.00%	1.50%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.5% (base)
Restaurants	3.0%	1.5% (base)
Gas Stations	2.0%	1.5% (base)
Supermarkets	2.0%	1.5% (base)
Hotels via Capital One Travel	1.0% (base)	5.0%
Rental Cars via Capital One Travel	1.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	10.99% - 18.99%	19.99% - 29.99%
Cash Advance APR	21.24%	29.99%
Penalty APR	21.49%	N/A
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	—	Secondary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Citi 8/65	Standard