Get a 60,000-mile welcome offer after you spend $3,000 in your first 3 months. In addition to offering unlimited 1.5 percent cash back on every purchase, the new Ink Business Unlimited card gives members a $500 cash back bonus after spending $3,000 in the first three months. The Quicksilver, on the other hand, charges 3 percent. In addition, your account is automatically reviewed for a credit limit increase after your first six months of on-time payments, which could have a beneficial impact on your credit score. Auto rental insurance if you rent a car with your credit card. Capital One® Venture® Rewards Credit Card. So if you run into a stretch of bad luck and repeatedly miss payments, you won’t be surprised with a higher interest rate than you were expecting. Privacy Policy. Capital One is a dominant issuer and suits folks with excellent, good, or average credit. See related: Citi Prestige vs. Advertiser Disclosure, by With this card, there are tools for managing credit responsibly, valuable benefits for cardholders and an annual fee of $0. Copyright © 2021 CreditCards.com a Red Ventures Company. Or would you rather stick to a simple, plain vanilla card you can use to improve your credit with responsible use? You’ll get 1.5 percent cash back for every purchase, a lengthy introductory APR to save on interest, and a $150 one-time cash bonus to sweeten the deal. Here's a side by side comparison of the card offerings. If you’ve got good to excellent credit and want to get something back for your day-to-day spending, then Capital One Quicksilver is a no-brainer. Zero percent APR for 15 months on both purchases and balance transfers, then regular APR between 15.49 and 25.49 percent variable. View side-by-side comparison of rewards, rates, fees, and benefits at CreditDonkey. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Meet Eno ®, your Capital One Assistant. Reasonable efforts are made For big-ticket items, the extended warranty feature will come in handy. Citi® / AAdvantage® Platinum Select® World Elite Mastercard® vs. Capital One Venture Rewards Credit Card. The Quicksilver is a clear-cut winner if uncomplicated rewards are what you’re after. 2 Malheureusement, les transferts de solde ne sont pas possibles pour le moment. The information for the Capital One Savor cards has been collected independently by The Points Guy. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. The Capital One Platinum Credit Card. Although its cash bonus of $150 is not exactly top-of-the-market, it’s decent for a card without an annual fee, and the spending requirement of $500 within three months is relatively easy to reach too. Covered items will be replaced or repaired or the purchase price will be reimbursed at the insurance company’s discretion. If your credit score isn’t high enough to qualify for a Quicksilver card, but you’d like to earn cash back with your spending, you may want to consider the Capital One QuicksilverOne Cash Rewards Credit Card. ©2020 Capital One. With no annual fee and no foreign transaction fees, they won’t cost you anything to keep -- as long as you repay any outstanding balance you have each month. Moving on in this American Express Business Platinum vs Capital One Spark limited-time offer review, let’s talk about Capital One. Capital One(R) Quicksilver(R) Cash Rewards Card. Card Comparisons The Quicksilver, on the other hand, is about getting no-fuss rewards for your everyday spending. Fair to good credit, which is around 580-740. But which card is best depends on how much you travel. Neither card charges an annual fee or foreign transaction fee, making them both low-cost additions to your wallet. Avance de fonds 19,75 %. The company has made a good card for those who has a good credit score. These include two new versions: World and Platinum. Like all Capital One credit cards, the Platinum card also waives foreign transaction fees – a rare perk for a card aimed at consumers with imperfect credit. By providing my email address, I agree to CreditCards.com’s Capital One® Platinum Credit Card vs. Capital One® Quicksilver® Cash Rewards Card. $39 annual fee. The Capital One Platinum is one of a few cards on the market with no balance transfer fee. It offers: 60,000 miles ($600 in travel) once you spend $3,000 on purchases within the first 3 … In effect, the Capital One Platinum gives you the opportunity to improve your credit profile, then rewards you with a bigger and more useful credit limit for future use. The Capital One Venture Rewards Credit Card is a Visa Signature travel rewards credit card earning 2x miles for every $1 spent on purchases. Chase’s new Ink business card offers a $500 bonus and 1.5 percent back on every purchase. Instead, its biggest selling point is its forgiving stance toward cardholders who are rebuilding their credit: If you pay your bill on time six months in a row, for example, your account is automatically reviewed for a credit limit increase. The Capital One Platinum will help someone with average credit to access a higher credit line and potentially build a better credit score. You’ll get zero percent APR on both purchases and balance transfers for 15 months (15.49 and 25.49 percent variable thereafter). The grandfathered Capital One Aspire World Elite Mastercard has been popular with its members, even after it was no longer available to new customers. When you click on The Capital One Venture Rewards Credit Card is an excellent choice if you want a travel rewards credit card without restrictions and don't care so much about a particular airline. Earn $150 cash bonus when you spend $500 in your first three months. Capital One Platinum: Pricing information including interest rates, rewards, benefits and fees was obtained on June 8, 2020 from published websites and is believed to be accurate, but not guaranteed. It has not been provided or commissioned by the credit card issuers. Articles on Capital One Platinum Credit Card. BMO Air Miles World Elite. Compare Capital One Venture vs American Express Platinum and see which is better. But if you need help qualifying for a larger credit limit – thus improving your credit score – or just want a plain vanilla card to demonstrate that you regularly pay your bills on time, the Platinum card is a decent choice. If you have excellent credit, choosing the Quicksilver card over the Platinum card is a no brainer. But if you don’t have the credit score for the Quicksilver, and your goal is to improve your credit profile while extending your credit line, then the Capital One Platinum is a great choice. for no credit or average credit. Capital One Quicksilver offers a $200 bonus when you spend $500 within the first 3 months of opening the account. The Capital One® Platinum Credit Card offers a strong package of cardholder benefits and is marketed to applicants with average credit or better. The Capital One SavorOne card gives you a way to earn rewards on all the food you buy, including both restaurants and grocery stores. She returned to journalism in 2010 and since then has written about everything from 20-somethings with Herculean credit scores to the Federal Reserve’s monetary policy decisions. Its 1.5 percent flat-rate cash back is not the highest, but there isn’t a cap on the rewards you can earn. Classic Platinum by Capital One. See related: What to look for in a credit card. Here’s what else to consider when comparing the two cards: If you like the idea of earning rewards alongside your spending, then the Quicksilver Rewards card is a clear winner. You’ll earn greater rewards with the Quicksilver because it has a cash rewards program. The Capital One Platinum Card is a Mastercard, so you’ll still get useful Mastercard Platinum benefits, such as extended warranty, roadside assistance and travel accident protection. With an opportunity to extend your credit after just five on-time payments, it’s a practical card that will yield long-term benefits. By providing my email address, I agree to CreditCards.com’s Get essential reads every week with our newsletter. The 15-month zero percent APR (15.49 to 25.49 percent variable thereafter) will save you a lot of money in interest if you have an existing balance to transfer, or if you have a big purchase coming up. Besides the card is providing consumers to a chance to access a higher credit line when they make their first 5 payments on time. Otherwise, travelers who can realize just one of the other tour, cruise, or limo discounts available with World Elite Mastercard will find the Citi / AAdvantage Platinum or the JetBlue Plus Card to be well worth the annual fee. Because many credit cards with a competitive rewards program require good or excellent credit for approval. Capital One Platinum Preferred Card is a new credit card product. You can also get 24-hour travel assistance services and roadside assistance for auto emergencies. The New World Card, despite the look and feel and everything was carried over from the Platinum Card is STILL a NEW card with a NEW Number. Like us on Facebook to see similar stories, BLM vs Capitol protests: This was the police response when it was Black protesters on DC streets last year, Ganguly leaves hospital as oil brand's 'heart healthy' ads pulled. The Capital One Platinum card is a plain vanilla credit card designed for cardholders who want to build or rebuild credit with responsible use. Although they sound alike, make no mistake that Capital One and Credit One offer very dissimilar credit cards. Capital One Platinum (and all the other Capital One cards that permit balance transfers) will accept debt from credit cards, auto loans, personal loans, student loans, and more. Receive cash back as a direct deposit or statement credit, apply to cover a recent purchase or spend on gift cards. There are 5 Capital One Spark business credit cards but we will be focusing on two today – the Capital One® Spark® Cash for Business and the Capital One® Spark® Miles for Business. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. Get various travel benefits, including a TSA PreCheck or Global Entry statement credit worth $100. Carte Platine MasterCard de Capital One détails. But if you’re trying to build credit or just want a plain, no-frills card, the Platinum card has some appealing features. But changes are coming to the card on August 5, 2020, and not for the better. The Capital One Venture Rewards Credit Card is one of the top travel rewards cards. compare. Privacy Policy. Quicksilver’s regular APR is lower than the Capital One Platinum card too, which means lower interest charges in the event you can’t repay your outstanding balance in full. According to the U.S. Bureau of Labor Statistics, the average household expenditure was just over $61,000 in 2018. Capital One Quicksilver Cash Rewards Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card. Of course, it can be very difficult to be approved for a new card when you are rebuilding your credit. But if you factor in the annual fee, you’ll only earn around $15. Citi Prestige vs. Read about topics that matter to you. Given there are no bonus categories or maximum spending limits to worry about, you can earn cash back from everyday spending effortlessly. American Express Gold Card vs. If your credit is excellent, the Quicksilver card is a great low-maintenance cash back card to use for everyday spending. Keep an eye on your inbox—we’ll be sending over your first message soon. Compare Credit Cards You can compare cards side-by-side, plus get info about rewards, points, interest rates, and how to apply — all in one … Capital One n’est pas responsable du code de catégorie utilisé par le marchand ni de tout code de catégorie erroné. This low maintenance cash back card is ideal for cardholders who want to earn a significant amount back, but don’t want to put of a lot of effort into their earnings. People with average, fair or limited credit can apply for the Capital One Platinum Credit Card. Your credit cards journey is officially underway. August 24, 2015 Written By Jason Steele . The Capital One Platinum Credit Card is designed for people with average, fair or limited credit, making it a good alternative to secured credit cards as a tool to build credit. has a $0 annual fee, a $0 fraud liability (which is pretty standard), and all of the traditional Platinum MasterCard benefits, such as: Extended warranty on purchases made on your credit card. Platinum card from American Express: Which card is best? CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Good to excellent credit, which is at least 670-850. Capital One Platinum vs. QuicksilverOne spending example To offset the cost of the QuicksilverOne’s $39 annual fee, you’ll need to spend about $220 a month, or $2,600 a year, to break even. This card offers opportunities for establishing or rebuilding credit. The Capital One Platinum Credit Card * is a card worth considering for those looking to establish or rebuild credit. She began her career in journalism at The Atlantic in 2007, then detoured into nonfiction book publishing for several years. All Rights Reserved. Both are purely cash-back cards, with no tiers, earning limits, minimums, or annoying restrictions that many other cards have. frais annuels 0 $ Récompenses Gagner. Capital One Platinum Vs. Capital One Quicksilver spending example. Kelly Dilworth. is a personal finance contributor and former staff reporter at CreditCards.com. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. To request a Capital One Platinum balance transfer, call 1 (800) 227-4825 or go online and select the balance transfer option. Capital One Quicksilver vs. Capital One Platinum. Show full articles without "Continue Reading" button for {0} hours. Capital One Platinum does not have any rewards—it functions more as a gateway to credit building. But with the Quicksilver, you’ll get 1.5 percent back on every dollar spent, so that’s a total of nearly $229. It doesn’t offer a rewards program, nor does it offer a sign-up bonus. New cardholders are eligible to receive access to a higher credit line after making just five on-time monthly payments. The Capital One Venture Rewards Credit Card and its lesser known sibling the Capital One VentureOne Rewards Credit Card are both geared toward travelers.. If you meet the spending prerequisite of $500 in your first three months, you’ll also qualify for the $150 one-time welcome bonus. Credit One vs. Capital One — what are the differences between these two credit card issuers? If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Platinum Card from American Express, 1.5 percent cash back on general purchases, $200 cash back when you spend $500 in the first 3 months, $300 x 1.5% cash back x 12 months – $39 annual fee =, Rewards don’t expire as long as account is active, No limit on the amount of cash back you can earn, You can use your cash in any way you want, Account reviewed for a higher credit line after you pay on time six months in a row, You can’t transfer cash to other rewards programs, Someone who is building or rebuilding credit. Although the Quicksilver comes out on top in many ways, it’s important to bear in mind that the main benefit offered by the Capital One Platinum is the opportunity to improve your credit profile and access a higher credit line. CreditCards.com does not include the entire universe of available financial or credit offers. Unlimited 1.5 percent cash back on every purchase. Secured. Here are the details on the changes, and your alternatives to consider. Privacy Policy, Essential news and expert tips in your inbox every week. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world for 120 days from the date of purchase when the full cost of the item is charged to your Capital One credit card. According to the U.S. Bureau of Labor Statistics, the average household expenditure was just over $61,000 in 2018. It’s a great result, considering the cash back is automatic, there are no rewards categories to keep track of and most importantly, there isn’t an annual fee. The Platinum card is a better pick for someone who may be tempted to charge more than they can afford or who doesn’t use their card regularly. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. But here’s the thing: the two cards are actually designed to serve very different cardholder needs. This card offers the same 1.5% cash back rate on all purchases, but is designed for cardholders with average credit. The Capital One Quicksilver card is a high-yield cash back card designed for cardholders with excellent credit. Microsoft may earn an Affiliate Commission if you purchase something through recommended links in this article. Not only will the interest most likely be lower, but many of the perks – including no foreign transaction fees and no penalty APR rate – will be the same. Platinum Card from American Express. Its cash back program offers no-fuss, predictable rewards, and you’ll know exactly how much your benefits are worth. 3 Les bons de remise en argent sont accordés uniquement aux titulaires de compte admissibles. Because rewards programs and 0-percent interest promotions can make overspending more enticing, a simple, no-frills credit card, such as the Platinum card, may encourage you to be more conservative with your spending. The only caveat: In addition to a higher minimum APR, it charges a $39 annual fee – which can significantly cut into your overall earnings. World MasterCard partners with Fairmont, Mandarin Oriental, and Relais & Chateaux properties, so you get discounts in luxury hotels all over the world. However, we may receive compensation when you click on links to products from our partners. Eno is at work 24/7, looking out for charges that might surprise you and helping you fix them. Find tips for managing money and more from wherever you are. CAPITAL ONE PLATINUM VS. QUICKSILVER: REWARDS. That makes this card stand out, because most reward credit cards will only offer cash back in one of those categories, not both. $120 Annual fee (waived in the 1st year) Earn 1 Air Miles reward mile for … Meet Eno. That said, since the Platinum card is designed for cardholders who have average credit, its finance charges are steep. The Platinum card’s finance charges are high, so it’s not a great choice for carrying a balance. The offers that appear on this site are from companies from which CreditCards.com receives compensation. But aside from their affiliation with Capital One, these two cards are a world away in terms of the benefits they offer and the reasons why a cardholder might choose them. D’autres conditions s’appliquent. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 3x points sur restaurants (y compris restauration rapide et boissons), 2x points sur essence, 1x points sur autres achatsValeur en points moyenne 1 $ taux d’intérêts sur achats 19,75 %.