American Express vs Capital One
Capital One CASHBACK pays 18.49% APR; American Express CASHBACK pays 19.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
American Express
19.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Open with American Express →Option B
Capital One
18.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not
Open with Capital One →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.