Privacy Policy, Essential news and expert tips in your inbox every week. She began her career in journalism at The Atlantic in 2007, then detoured into nonfiction book publishing for several years. For example, if you charge $1,000 a month, you’ll earn $180 over the course of the year, just by swiping your card. The Capital One Platinum card is a plain vanilla credit card designed for cardholders who want to build or rebuild credit with responsible use. The Capital One Mastercard, Exclusively for Costco is a cash back reward card, which is one of the things that’s most attractive about the card. Capital One Platinum. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Likewise, the World Elite Mastercard line, including cards such as the Capital One® Savor® Cash Rewards Credit Card and Citi Premier® Card, also offers expanded benefits you don’t find with cards in other payment networks. CreditCards.com is an independent, advertising-supported comparison service. Auto rental insurance if you rent a car with your credit card. So the fact that you can extend your credit line with the Capital One Platinum after making your first five monthly payments on time is highly appealing to anyone with fair credit or a thin credit history. According to the U.S. Bureau of Labor Statistics, the average household expenditure was just over $61,000 in 2018. Subscribe to get the week’s most important news in your inbox every week. New cardholders are eligible to receive access to a higher credit line after making just five on-time monthly payments. Its cash back program offers no-fuss, predictable rewards, and you’ll know exactly how much your benefits are worth. Capital One Platinum (and all the other Capital One cards that permit balance transfers) will accept debt from credit cards, auto loans, personal loans, student loans, and more. Like us on Facebook to see similar stories, BLM vs Capitol protests: This was the police response when it was Black protesters on DC streets last year, Ganguly leaves hospital as oil brand's 'heart healthy' ads pulled. Meet Eno ®, your Capital One Assistant. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. $120 Annual fee (waived in the 1st year) Earn 1 Air Miles reward mile for … Earn an additional miles after spending on purchases within the first . Unlike some competitors, it doesn’t charge an annual fee, nor does it charge a penalty rate. Avance de fonds 19,75 %. If you’re already a Costco member, and shop inside the store and get gas there, adding this Costco Mastercard to your wallet is practically a no-brainer. Kelly Dilworth Because many credit cards with a competitive rewards program require good or excellent credit for approval. Get a 60,000-mile welcome offer after you spend $3,000 in your first 3 months. The New World Card, despite the look and feel and everything was carried over from the Platinum Card is STILL a NEW card with a NEW Number. World MasterCard partners with Fairmont, Mandarin Oriental, and Relais & Chateaux properties, so you get discounts in luxury hotels all over the world. With an opportunity to extend your credit after just five on-time payments, it’s a practical card that will yield long-term benefits. But changes are coming to the card on August 5, 2020, and not for the better. Capital One Quicksilver offers a $200 bonus when you spend $500 within the first 3 months of opening the account. Bear in mind though that you’ll need to repay any outstanding balance in full each month, otherwise the interest charges you’ll incur will wipe out any rewards you’ll earn. But if you factor in the annual fee, you’ll only earn around $15. In addition, your account is automatically reviewed for a credit limit increase after your first six months of on-time payments, which could have a beneficial impact on your credit score. Although the Quicksilver comes out on top in many ways, it’s important to bear in mind that the main benefit offered by the Capital One Platinum is the opportunity to improve your credit profile and access a higher credit line. Unlimited 1.5 percent cash back on every purchase. See the online credit card applications for details about the terms and conditions of an offer. We're more than just a bank. Also, people who don’t use credit cards often tend to like plain, vanilla cards because they’re simpler than rewards cards. If your credit score isn’t high enough to qualify for a Quicksilver card, but you’d like to earn cash back with your spending, you may want to consider the Capital One QuicksilverOne Cash Rewards Credit Card. People with average, fair or limited credit can apply for the Capital One Platinum Credit Card. With this card, there are tools for managing credit responsibly, valuable benefits for cardholders and an annual fee of $0. Get various travel benefits, including a TSA PreCheck or Global Entry statement credit worth $100. This card offers opportunities for establishing or rebuilding credit. Moving on in this American Express Business Platinum vs Capital One Spark limited-time offer review, let’s talk about Capital One. The Capital One SavorOne card gives you a way to earn rewards on all the food you buy, including both restaurants and grocery stores. If your credit is excellent, you’d be better off looking for a low rate credit card, such as the U.S. Bank Visa Platinum card or PNC Bank’s Core Visa. Given there are no bonus categories or maximum spending limits to worry about, you can earn cash back from everyday spending effortlessly. 3 Les bons de remise en argent sont accordés uniquement aux titulaires de compte admissibles. Capital One Platinum does not have any rewards—it functions more as a gateway to credit building. All Rights Reserved. By providing my email address, I agree to CreditCards.com’s The Quicksilver, on the other hand, is about getting no-fuss rewards for your everyday spending. For example, if you charge around $300 a month, you’ll earn roughly $54 over the course of the year. But if you don’t have the credit score for the Quicksilver, and your goal is to improve your credit profile while extending your credit line, then the Capital One Platinum is a great choice. Kelly Dilworth. But here’s the thing: the two cards are actually designed to serve very different cardholder needs. The Capital One Platinum is one of a few cards on the market with no balance transfer fee. Capital One Venture Rewards Credit Card. Articles on Capital One Platinum Credit Card. Otherwise, travelers who can realize just one of the other tour, cruise, or limo discounts available with World Elite Mastercard will find the Citi / AAdvantage Platinum or the JetBlue Plus Card to be well worth the annual fee. The Quicksilver is a clear-cut winner if uncomplicated rewards are what you’re after. Because the Quicksilver card gives you 1.5% cash back no matter what you’re purchasing, there’s no need to keep track of rewards categories or worry about whether you’ll earn a bonus with your spending. However, we may receive compensation when you click on links to products from our partners. Privacy Policy. Of course, it can be very difficult to be approved for a new card when you are rebuilding your credit. The Capital One Venture Rewards Credit Card is one of the top travel rewards cards. The Capital One Venture Rewards Credit Card is a Visa Signature travel rewards credit card earning 2x miles for every $1 spent on purchases. Capital One is a dominant issuer and suits folks with excellent, good, or average credit. For cardholders who are just starting to use credit or who are rebuilding their credit scores, the Platinum card is a good option. Earn an unlimited 2x miles on all purchases. If you have excellent credit, choosing the Quicksilver card over the Platinum card is a no brainer. When you click on With no annual fee and no foreign transaction fees, they won’t cost you anything to keep -- as long as you repay any outstanding balance you have each month. Capital One® Platinum Credit Card vs. Capital One® Quicksilver® Cash Rewards Card. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Platinum Card from American Express, 1.5 percent cash back on general purchases, $200 cash back when you spend $500 in the first 3 months, $300 x 1.5% cash back x 12 months – $39 annual fee =, Rewards don’t expire as long as account is active, No limit on the amount of cash back you can earn, You can use your cash in any way you want, Account reviewed for a higher credit line after you pay on time six months in a row, You can’t transfer cash to other rewards programs, Someone who is building or rebuilding credit. American Express Gold Card vs. Its 1.5 percent flat-rate cash back is not the highest, but there isn’t a cap on the rewards you can earn. Compare Capital One Venture vs American Express Platinum and see which is better. Privacy Security AdChoices Terms & Conditions Security AdChoices Terms & Conditions Both are purely cash-back cards, with no tiers, earning limits, minimums, or annoying restrictions that many other cards have. In effect, the Capital One Platinum gives you the opportunity to improve your credit profile, then rewards you with a bigger and more useful credit limit for future use. Besides the card is providing consumers to a chance to access a higher credit line when they make their first 5 payments on time. Connect with friends faster than ever with the new Facebook app. Capital One Platinum vs. Capital One Platinum Credit Card. Since larger credit limits are hard to get for consumers with damaged scores, that perk alone is worth a lot. Capital One Platinum: Pricing information including interest rates, rewards, benefits and fees was obtained on June 8, 2020 from published websites and is believed to be accurate, but not guaranteed. It doesn’t offer a rewards program, nor does it offer a sign-up bonus. According to the U.S. Bureau of Labor Statistics, the average household expenditure was just over $61,000 in 2018. CAPITAL ONE PLATINUM VS. QUICKSILVER: REWARDS. Receive cash back as a direct deposit or statement credit, apply to cover a recent purchase or spend on gift cards. Capital One Quicksilver Cash Rewards Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card. The offers that appear on this site are from companies from which CreditCards.com receives compensation. That breaks down to only around $167 a month in purchases during the promotional period. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Platinum card from American Express: Which card is best?, American Express Gold Card vs. Credit One vs. Capital One — what are the differences between these two credit card issuers? $39 annual fee. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. That said, since the Platinum card is designed for cardholders who have average credit, its finance charges are steep. Because rewards programs and 0-percent interest promotions can make overspending more enticing, a simple, no-frills credit card, such as the Platinum card, may encourage you to be more conservative with your spending. Get essential reads every week with our newsletter. Considering the Platinum doesn’t have any intro APR periods, the Quicksilver wins yet again by default. The Capital One® Platinum Credit Card offers a strong package of cardholder benefits and is marketed to applicants with average credit or better. The Capital One Quicksilver Cash Rewards Credit Card and the Capital One Platinum Credit Card share the same issuer. Neither card charges an annual fee or foreign transaction fee, making them both low-cost additions to your wallet. But aside from their affiliation with Capital One, these two cards are a world away in terms of the benefits they offer and the reasons why a cardholder might choose them. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. Compare Credit Cards You can compare cards side-by-side, plus get info about rewards, points, interest rates, and how to apply — all in one … The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. to maintain accurate information. Here's a side by side comparison of the card offerings. It offers a flat 1.5 percent cash back rate that can add up to big savings for cardholders who use it regularly. The grandfathered Capital One Aspire World Elite Mastercard has been popular with its members, even after it was no longer available to new customers. Capital One(R) Quicksilver(R) Cash Rewards Card. So if you run into a stretch of bad luck and repeatedly miss payments, you won’t be surprised with a higher interest rate than you were expecting. D’autres conditions s’appliquent. Keep an eye on your inbox—we’ll be sending over your first message soon. frais annuels 0 $ Récompenses Gagner. It’s a great result, considering the cash back is automatic, there are no rewards categories to keep track of and most importantly, there isn’t an annual fee. The Capital One Platinum Credit Card is designed for people with average, fair or limited credit, making it a good alternative to secured credit cards as a tool to build credit. Capital One® Venture® Rewards Credit Card. The Quicksilver, on the other hand, charges 3 percent. The Capital One(R) Platinum Credit Card and the Capital One(R) Quicksilver(R) Cash Rewards Card are both famously low in fees. Covered items will be replaced or repaired or the purchase price will be reimbursed at the insurance company’s discretion. Read about topics that matter to you. Card Comparisons The offers that appear on this site are from companies from which CreditCards.com receives compensation. But if you need help qualifying for a larger credit limit – thus improving your credit score – or just want a plain vanilla card to demonstrate that you regularly pay your bills on time, the Platinum card is a decent choice. The only caveat: In addition to a higher minimum APR, it charges a $39 annual fee – which can significantly cut into your overall earnings. Citi Prestige vs. ©2020 Capital One. back Capital One Classic Platinum. You’ll get zero percent APR on both purchases and balance transfers for 15 months (15.49 and 25.49 percent variable thereafter). Fair to good credit, which is around 580-740. Deciding which card is better for you depends on how high your credit score is and what you’re looking for in a credit card. Since the Capital One Platinum doesn’t come with a rewards program, the Quicksilver is again the winner. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Eno is at work 24/7, looking out for charges that might surprise you and helping you fix them. View side-by-side comparison of rewards, rates, fees, and benefits at CreditDonkey. 3x points sur restaurants (y compris restauration rapide et boissons), 2x points sur essence, 1x points sur autres achatsValeur en points moyenne 1 $ taux d’intérêts sur achats 19,75 %. Like all Capital One credit cards, the Platinum card also waives foreign transaction fees – a rare perk for a card aimed at consumers with imperfect credit. The Capital One Platinum Credit Card. The Platinum card is a better pick for someone who may be tempted to charge more than they can afford or who doesn’t use their card regularly. Redemption is flexible too, so you can redeem when you want and in ways that suit you.

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