Platinum Credit Card from Capital One® vs. Quicksilver® from Capital One®| finder.com

Platinum Credit Card from Capital One® vs. Quicksilver® from Capital One®

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One is aimed at cardholders with average credit; the other is for those with good credit or better.

The Platinum Credit Card from Capital One® and Quicksilver® from Capital One® are aimed at different types of customers. Consider your credit score before applying for one of them.

Platinum Credit Card from Capital One®

Platinum Credit Card from Capital One®

Quicksilver® from Capital One®

Quicksilver® from Capital One®

finder.com's rating

★★★★★

4.5 / 5.0

★★★★★

4.2 / 5.0
Welcome bonus None Earn $150 cash back after spending $500 in the first 3 months
Rewards N/A

Earn 1.5% cash back on all purchases

Purchase APR (annual percentage rate)

26.99% variable

0% intro APR for 15 months, and then 14.74%, 20.74% or 24.74% variable

Annual fee $0 $0
Balance transfers

APR: 26.99% variable

Fee: $0

APR: 0% intro APR for 15 months, then 14.74%, 20.74% or 24.74% variable

Fee: 3% of the transaction

Cash advance

APR: 26.99% variable

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

APR: 24.74% variable

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

Late payment fee $38 $38
Additional cardholder fee $0 $0
Interest-free period 25 days 25 days
Minimum interest $0 $0
Minimum credit score 650 690
Card type Credit Credit
Rates and Fees Rates & Fees Rates & Fees
Learn more

Which card should you choose?

Platinum Credit Card from Capital One®

Platinum Credit Card from Capital One®

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

The best feature of the Platinum Credit Card from Capital One® might be that you may qualify with average credit. If you have a moderate credit score, a secured credit card is often ideal — but to get one, you have to put down a security deposit. Not so with the Platinum Credit Card from Capital One®. Plus, this card comes without an annual fee, which many secured cards have.

Quicksilver® from Capital One®

Quicksilver® from Capital One®

  • $150 signup bonus
  • 1.5% cash back on all purchases
  • Intro APR on purchases and balance transfers

If you have good credit or better, you might qualify for the more powerful Quicksilver® from Capital One®. This card offers a signup bonus, solid cash back on every purchase and an intro APR on purchases and balance transfers — strong benefits that the Platinum Credit Card from Capital One® can’t match.

What’s next?

Pound for pound, the Quicksilver® from Capital One® is a better card, but you most likely need good credit or better to qualify. If you have average credit, you may have better chances with the Platinum Credit Card from Capital One®.

Neither product a great fit? There are many other Capital One cards that might be better for your lifestyle and needs. Compare more of your options below.

Compare Capital One credit cards

Name Product APR (Annual Percentage Rate) for Purchases Introductory Balance Transfer APR Annual Fee Minimum Credit Score
24.74% variable
$0
Poor (Below 660)
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day.
14.74%, 18.74% or 22.74% variable
$0
Fair (660-699)
Unlimited 1.5X miles per dollar on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Good (700-739)
Unlimited 2 miles per dollar on every purchase, every day.
14.74%, 18.74% or 22.74% variable
$0
Fair (660-699)
Unlimited 1.5 cash back on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Good (700-739)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
22.97%, 24.97% or 26.97 variable
$39
Poor (Below 660)
Get unlimited 1.5 cash back on every purchase with no limit on how much you can earn, and no changing categories.
26.99% variable
$0
Poor (Below 660)
Enjoy no annual fee, plus access to valuable benefits.
24.99% variable
$0
Poor (Below 660)
Take control and build your credit with responsible use.
14.74%, 20.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 20.74% or 24.74% variable)
$0
Fair (660-699)
Earn unlimited 1.5% cash back on every purchase, every day
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Excellent (740 or higher)

Compare up to 4 providers

Compare more Capital One credit cards

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