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®

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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 None $150 cash back after spending $500 in the first 3 months
Rewards
Rewards N/A

1.5% cash back on all purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

26.99% variable

0% intro APR for 15 months, and then 16.24%, 22.24% or 26.24% variable

Annual fee
Annual fee $0 $0
Balance transfers
Balance transfers

APR: 26.99% variable

Fee: $0

APR: 0% intro APR for 15 months, then 16.24% to 26.24% variable

Fee: 3% of the transaction

Cash advance
Cash advance

APR: 26.99% variable

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

APR: 26.24% 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 $38 Up to $38
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
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
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®

  • No annual fee
  • $150 signup bonus when you spend $500 on purchases in the first 3 months
  • 1.5% cash back on all purchases
  • Long intro APR for 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 Quicksilver® from Capital One® vs. Venture® from Capital One®

Consider a top card from another brand

Chase Freedom Unlimited®

  • New offer! Double cash back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
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Read more
Promoted

Compare Capital One credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
2x miles on all purchases and 10x miles at hotels.com/venture
17.99%, 22.74% or 25.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
1.25x miles on all purchases
14.24%, 20.24% or 24.24% variable
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
1.5% cash back on all purchases
16.24%, 22.24% or 26.24% variable
$0
Earn unlimited 1.5% cash back on every purchase, every day
1.5% cash back on all purchases
26.99% variable
$39
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.
16.74%, 22.24% or 25.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
16.24%, 22.24% or 26.24% variable
$0
Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
26.99% variable
$0
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
26.99% variable
$0
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
N/A
26.99% variable
$0
Take control and build your credit with responsible use.
25.24% variable
$0
Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.
Unlimited 1.5x miles on every purchase, every day.
15.24%, 19.24% or 23.24% variable
$0
Unlimited 1.5x miles on every purchase, every day.
Earn unlimited 2 miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 2X miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.
15.24%, 19.24% or 23.24% variable
$0
Unlimited 1.5 cash back on every purchase, every day.
2% cash back on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.

Compare up to 4 providers

Compare more Capital One credit cards

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