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Capital One® QuicksilverOne® Cash Rewards Credit Card vs. Capital One® Platinum Credit Card

Choose a card for rewards or for building credit.

Updated

Fact checked

Both these cards are aimed at those with fair credit, but the Capital One® QuicksilverOne® Cash Rewards Credit Card has a $39 annual fee and lets you earn flat cash back on all purchases. The Capital One® Platinum Credit Card, on the other hand, has a $0 annual fee but no rewards.

Check out the table below to learn more about these cards.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

Rates & Fees

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

Rates & Fees

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★★★★★

4.5 / 5.0
Best for
Best for
  • Cash back for fair credit
  • Building credit without a deposit
Welcome offer
Welcome offer

N/A

N/A

Rewards
Rewards

1.5% cash back on all purchases

N/A

Purchase APR
Purchase APR

22.99% variable

22.99% variable

Annual fee
Annual fee $39 $0
Balance transfer APR
Balance transfer APR

22.99% variable

22.99% variable

Cash advance
Cash advance

APR: 26.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 22.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 580 580
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Enjoy unlimited 1.5% cash back on all purchases
  • Get Platinum Mastercard benefits like travel and rental car coverage
  • Apply with a fair credit score of 580 or higher

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

  • No annual fee
  • Higher credit line after five on-time payments
  • Qualify with average credit

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual fee
CardMatch™ from creditcards.com
See terms
See issuer's website
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Credit One Bank® Unsecured Visa® for Rebuilding Credit
1% cash back on all purchases on eligible purchases
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Indigo® Platinum Mastercard® Credit Card
N/A
24.9% fixed
$0 to $99
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
Reflex Mastercard® Credit Card
N/A
25.9% to 29.99% variable
$75 to $99
Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.
Surge Mastercard® Credit Card
N/A
25.9% to 29.99% variable
$75 to $99
An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.
Applied Bank® Unsecured Classic Visa® Card
Applied Bank® Unsecured Classic Visa® Card
29.99% fixed
$75
An unsecured credit card for building credit with reporting to the three major credit bureaus.
Milestone® Gold Mastercard®
N/A
24.9% fixed
$35 to $99
All the benefits of Mastercard Gold for those with less than perfect credit.
First Access Visa® Card
N/A
34.99% fixed
$75 intro annual fee for the first year ($48 thereafter)
Build or rebuild your credit with this Visa credit card.
Total Visa® Unsecured Credit Card
N/A
34.99% fixed
$75 intro annual fee for the first year ($48 thereafter)
Enjoy manageable monthly payments with monthly reporting to all three major credit bureaus.
First Digital Mastercard®
N/A
35.99% fixed
$75 intro annual fee for the first year ($48 thereafter)
An unsecured card for applicants with no credit history or a poor credit score.
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Compare Capital One credit cards

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