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

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

Updated

Fact checked
While both cards have $0 annual fees, the Capital One® Platinum Credit Card is designed for cardholders with less-than-perfect credit — typically lower than 670. Meanwhile, the Capital One® Quicksilver® Cash Rewards Credit Card is aimed at cardholders with good to excellent credit scores of 670 and above. It also offers 1.5% cash back on all purchases and a signup bonus, which the Capital One® Platinum Credit Card doesn’t offer.

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

Rates & Fees

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Rates & Fees

finder.com's rating
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★★★★★

4.5 / 5.0

★★★★★

4.2 / 5.0
Best for
Best for
  • Building credit without a deposit
  • Easy-to-earn signup bonus and flat cash back on all purchases
Welcome offer
Welcome offer

N/A

$150 cash back after spending $500 in the first 3 months

Rewards
Rewards

N/A

1.5% cash back on all purchases

Purchase APR
Purchase APR

22.99% variable

0% intro APR for 15 months, and then 15.49%, 21.49% or 25.49% variable

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

22.99% variable

15.49% to 25.49% variable

Cash advance
Cash advance

APR: 22.99% variable

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

APR: 25.49% 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
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 580 670
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

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

The best feature of the Capital One® Platinum Credit Card 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 Capital One® Platinum Credit Card. Plus, this card comes without an annual fee, which many secured cards have.

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • No annual fee
  • $150 cash bonus when you spend $500 on purchases in the first 3 months
  • 1.5% cash back on all purchases
  • Long intro APR for purchases

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

What’s next?

Pound for pound, the Capital One® Quicksilver® Cash Rewards Credit Card 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 Capital One® Platinum Credit Card.

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 Filter values Rewards Purchase APR Annual fee
Capital One® Quicksilver® Cash Rewards Credit Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)
$0
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
Capital One® VentureOne® Rewards Credit Card
5x miles on Uber Eats and 1.25x miles on all purchases
0% intro for the first 12 months (then 15.49%, 21.49% or 25.49% variable)
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Capital One® Secured Mastercard®
N/A
26.99% variable
$0
Get access to a higher credit line after making your first 5 monthly payments on time.
Capital One® SavorOne® Cash Rewards Credit Card
5% cash back on Uber Eats, 3% on dining and entertainment, 2% at grocery stores and 1% on all other purchases
0% intro for the first 15 months (then 15.49% or 25.49% variable)
$0
A no-annual-fee card with up to 3% cash back for people who love going out. Extend the fun with 15 months intro APR on purchases.
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.
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Compare more Capital One credit cards

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