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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.

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

Terms apply, see rates & fees

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

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

One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Rewards
Rewards

N/A

Earn unlimited 1.5% cash back on every purchase, every day

Purchase APR
Purchase APR

26.99% variable

0% intro APR for 15 months, and then 14.99% to 24.99% variable

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

26.99% variable

0% intro APR for 15 months, then 14.99% to 24.99% variable

Cash advance
Cash advance

APR: 26.99% variable

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

APR: 24.99% 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 $40 Up to $40
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

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

Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Platinum Credit Card
N/A
N/A
$0
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
Capital One Quicksilver Cash Rewards Credit Card
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
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