Enjoy extra protection when you travel, like auto rental collision damage waiver and travel accident insurance. There are no minimum redemption requirements, and your rewards won’t expire as long as your account is open. 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. Capital One is a dominant issuer and suits folks with excellent, good, or average credit. Avance de fonds 19,75 %. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 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. Moving on in this American Express Business Platinum vs Capital One Spark limited-time offer review, let’s talk about Capital One. You’ll earn greater rewards with the Quicksilver because it has a cash rewards program. The Quicksilver is a clear-cut winner if uncomplicated rewards are what you’re after. Both are purely cash-back cards, with no tiers, earning limits, minimums, or annoying restrictions that many other cards have. Capital One® Venture® Rewards Credit Card. If your credit is excellent, the Quicksilver card is a great low-maintenance cash back card to use for everyday spending. 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. Deciding which card is better for you depends on how high your credit score is and what you’re looking for in a credit card. Citi® / AAdvantage® Platinum Select® World Elite Mastercard® vs. Capital One Venture Rewards Credit Card. Capital One Platinum Vs. Capital One Quicksilver spending example. For cardholders who are just starting to use credit or who are rebuilding their credit scores, the Platinum card is a good option. Besides the card is providing consumers to a chance to access a higher credit line when they make their first 5 payments on time. 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. See related: Citi Prestige vs. Card Comparisons CreditCards.com does not include the entire universe of available financial or credit offers. 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. By providing my email address, I agree to CreditCards.com’s Earn $150 cash bonus when you spend $500 in your first three months. The Capital One Platinum Credit Card * is a card worth considering for those looking to establish or rebuild credit. However, Uber Eats purchases earn 5x miles per $1 spent through January 31, 2020. back Capital One Classic Platinum. For example, if you charge $1,000 a month, you’ll earn $180 over the course of the year, just by swiping your card. This card offers opportunities for establishing or rebuilding credit. The Quicksilver, on the other hand, charges 3 percent. Also, people who don’t use credit cards often tend to like plain, vanilla cards because they’re simpler than rewards cards. It offers a flat 1.5 percent cash back rate that can add up to big savings for cardholders who use it regularly. 2 Malheureusement, les transferts de solde ne sont pas possibles pour le moment. With this card, there are tools for managing credit responsibly, valuable benefits for cardholders and an annual fee of $0. to maintain accurate information. 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. Now, let’s say your expenditure is in line with the national average, and you use your credit card to pay for roughly one-quarter of your expenses, or $15,250. ©2020 Capital One. Redemption is flexible too, so you can redeem when you want and in ways that suit you. Capital One Platinum vs. Because the Quicksilver card gives you 1.5% cash back no matter what you’re purchasing, there’s no need to keep track of rewards categories or worry about whether you’ll earn a bonus with your spending. The Capital One Quicksilver Cash Rewards Credit Card and the Capital One Platinum Credit Card share the same issuer. Aspire Cash™ World MasterCard® (Discontinued) Earn 50% extra cash … 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. Privacy Policy, Essential news and expert tips in your inbox every week. CreditCards.com is an independent, advertising-supported comparison service. BMO Air Miles World Elite. But if you factor in the annual fee, you’ll only earn around $15. Neither card charges an annual fee or foreign transaction fee, making them both low-cost additions to your wallet. The offers that appear on this site are from companies from which CreditCards.com receives compensation. But with the Quicksilver, you’ll get 1.5 percent back on every dollar spent, so that’s a total of nearly $229. Or would you rather stick to a simple, plain vanilla card you can use to improve your credit with responsible use? The Capital One Platinum card is a plain vanilla credit card designed for cardholders who want to build or rebuild credit with responsible use. Get various travel benefits, including a TSA PreCheck or Global Entry statement credit worth $100. Good to excellent credit, which is at least 670-850. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. 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. 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. Capital One Platinum. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Auto rental insurance if you rent a car with your credit card. 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. Unlimited 1.5 percent cash back on every purchase. Reasonable efforts are made Since the Capital One Platinum doesn’t come with a rewards program, the Quicksilver is again the winner. But changes are coming to the card on August 5, 2020, and not for the better. Since the Capital One Platinum doesn’t offer a welcome bonus, Quicksilver wins this hands down. Connect with friends faster than ever with the new Facebook app. Deciding which card is best for you depends on how high your credit score is and what you’re looking for in a credit card: Do you want a cash back card that rewards you for spending? Given there are no bonus categories or maximum spending limits to worry about, you can earn cash back from everyday spending effortlessly. for no credit or average credit. Although they sound alike, make no mistake that Capital One and Credit One offer very dissimilar credit cards. However, we may receive compensation when you click on links to products from our partners. Apply Now add a review intro purchase APR no intro offer: regular APR 20.90 - 20.90% (V) intro BT APR 20.9% no BT fee: no credit required. Late summer 2011, Capital One added two new MasterCards to the Aspire family, to replace their old tiered cash-back reward cards. Capital One Quicksilver offers a $200 bonus when you spend $500 within the first 3 months of opening the account. 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. Microsoft may earn an Affiliate Commission if you purchase something through recommended links in this article. 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. 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. See related: What to look for in a credit card. If you’re already a Costco member, and shop inside the store and get gas there, adding this Costco Mastercard to your wallet is practically a no-brainer. View side-by-side comparison of rewards, rates, fees, and benefits at CreditDonkey. Read about topics that matter to you. With an opportunity to extend your credit after just five on-time payments, it’s a practical card that will yield long-term benefits. People with average, fair or limited credit can apply for the Capital One Platinum Credit Card. Here's a side by side comparison of the card offerings. The company has made a good card for those who has a good credit score. Compare Capital One Venture vs American Express Platinum and see which is better. CAPITAL ONE PLATINUM VS. QUICKSILVER: REWARDS. frais annuels 0 $ Récompenses Gagner. Platinum card from American Express: Which card is best? Meet Eno ®, your Capital One Assistant. The Capital One® Secured Mastercard®, on the other hand, is a secured card where you … Subscribe to get the week’s most important news in your inbox every week. 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. Articles on Capital One Platinum Credit Card. 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. You can also get 24-hour travel assistance services and roadside assistance for auto emergencies. 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. Earn an unlimited 2x miles on all purchases. Additionally, if you have average credit, you’ll often get low limits on credit products even when you’re approved for them. See the online credit card applications for details about the terms and conditions of an offer. Fair to good credit, which is around 580-740. According to the U.S. Bureau of Labor Statistics, the average household expenditure was just over $61,000 in 2018. compare. Earn an additional miles after spending on purchases within the first . 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. Because many credit cards with a competitive rewards program require good or excellent credit for approval. Advertiser Disclosure, by CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. 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 %. 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. Privacy Security AdChoices Terms & Conditions Security AdChoices Terms & Conditions 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. 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. 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. If your credit is excellent, you’d be better off looking for a low rate credit card, such as the U.S. Bank Visa Platinum card or PNC Bank’s Core Visa. World MasterCard offers an extensive travel accident insurance and their lost luggage policy will reimburse you up to $100 a day for up to 3 days. Secured. For big-ticket items, the extended warranty feature will come in handy. When you click on The Capital One Venture Rewards Credit Card is one of the top travel rewards cards. Receive cash back as a direct deposit or statement credit, apply to cover a recent purchase or spend on gift cards. But if you’re trying to build credit or just want a plain, no-frills card, the Platinum card has some appealing features. 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. Copyright © 2021 CreditCards.com a Red Ventures Company. 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. Unlike some competitors, it doesn’t charge an annual fee, nor does it charge a penalty rate. It offers: 60,000 miles ($600 in travel) once you spend $3,000 on purchases within the first 3 … According to the U.S. Bureau of Labor Statistics, the average household expenditure was just over $61,000 in 2018. Platinum card from American Express: Which card is best?, American Express Gold Card vs. Capital One(R) Quicksilver(R) Cash Rewards Card. Since larger credit limits are hard to get for consumers with damaged scores, that perk alone is worth a lot. The Capital One® Platinum Credit Card offers a strong package of cardholder benefits and is marketed to applicants with average credit or better. Likewise, the World Elite Mastercard line, including cards such as the Capital One® Savor® Cash Rewards Credit Card and Citi Premier® Card, also offers expanded benefits you don’t find with cards in other payment networks. The Capital One Venture Rewards Credit Card and its lesser known sibling the Capital One VentureOne Rewards Credit Card are both geared toward travelers.. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Capital One n’est pas responsable du code de catégorie utilisé par le marchand ni de tout code de catégorie erroné. Keep an eye on your inbox—we’ll be sending over your first message soon. 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. Capital One® Platinum Credit Card vs. Capital One® Quicksilver® Cash Rewards Card. We're more than just a bank. 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. 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. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Given the lack of rewards, why would anyone consider the Capital One Platinum? It doesn’t offer a rewards program, nor does it offer a sign-up bonus. Find tips for managing money and more from wherever you are. 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 … 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. The Capital One Platinum Credit Card. The Capital One Quicksilver card is a high-yield cash back card designed for cardholders with excellent credit. Without a rewards program, the Capital One Platinum will clearly earn you nothing by way of cash or travel rewards. 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. 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. She began her career in journalism at The Atlantic in 2007, then detoured into nonfiction book publishing for several years. Capital One Quicksilver vs. Capital One Platinum. So the fact that you can extend your credit line with the Capital One Platinum after making your first five monthly payments on time is highly appealing to anyone with fair credit or a thin credit history. If you meet the spending prerequisite of $500 in your first three months, you’ll also qualify for the $150 one-time welcome bonus. 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. August 24, 2015 Written By Jason Steele . Both these cards are meant for building credit, but the Capital One® Platinum Credit Card is an unsecured card that requires at least a fair credit score to apply. Credit One vs. Capital One — what are the differences between these two credit card issuers? Your credit cards journey is officially underway. Show full articles without "Continue Reading" button for {0} hours. The Capital One SavorOne card gives you a way to earn rewards on all the food you buy, including both restaurants and grocery stores. Bear in mind though that you’ll need to repay any outstanding balance in full each month, otherwise the interest charges you’ll incur will wipe out any rewards you’ll earn. You’ll get zero percent APR on both purchases and balance transfers for 15 months (15.49 and 25.49 percent variable thereafter). Meet Eno. Get a 60,000-mile welcome offer after you spend $3,000 in your first 3 months. To request a Capital One Platinum balance transfer, call 1 (800) 227-4825 or go online and select the balance transfer option. It has not been provided or commissioned by the credit card issuers. Covered items will be replaced or repaired or the purchase price will be reimbursed at the insurance company’s discretion. Privacy Policy. By providing my email address, I agree to CreditCards.com’s Zero percent APR for 15 months on both purchases and balance transfers, then regular APR between 15.49 and 25.49 percent variable. Platinum Card from American Express. The Quicksilver, on the other hand, is about getting no-fuss rewards for your everyday spending. Capital One Platinum Credit Card. The Capital One(R) Platinum Credit Card and the Capital One(R) Quicksilver(R) Cash Rewards Card are both famously low in fees. New cardholders are eligible to receive access to a higher credit line after making just five on-time monthly payments. All Rights Reserved. Kelly Dilworth 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. Privacy Policy. Capital One Platinum Preferred Card is a new credit card product. 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. But here’s the thing: the two cards are actually designed to serve very different cardholder needs. 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. The Capital One Platinum is one of a few cards on the market with no balance transfer fee. The grandfathered Capital One Aspire World Elite Mastercard has been popular with its members, even after it was no longer available to new customers. is a personal finance contributor and former staff reporter at CreditCards.com. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. 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. That makes this card stand out, because most reward credit cards will only offer cash back in one of those categories, not both. Considering the Platinum doesn’t have any intro APR periods, the Quicksilver wins yet again by default. The Platinum card’s finance charges are high, so it’s not a great choice for carrying a balance. The American Express Gold Card and Capital One Venture Rewards Credit Card rank as our top two travel and rewards credit cards. 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 information for the Capital One Savor cards has been collected independently by The Points Guy. 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. 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. That breaks down to only around $167 a month in purchases during the promotional period. Get essential reads every week with our newsletter. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Kelly Dilworth. Here are the details on the changes, and your alternatives to consider. Capital One Platinum does not have any rewards—it functions more as a gateway to credit building. If you have had problems with your credit, then you need a tool to help you rebuild it, and one of the most important tools available is a credit card. That said, since the Platinum card is designed for cardholders who have average credit, its finance charges are steep. American Express Gold Card vs. If you have excellent credit, choosing the Quicksilver card over the Platinum card is a no brainer. Citi Prestige vs. Capital One Venture Rewards Credit Card. $39 annual fee. $120 Annual fee (waived in the 1st year) Earn 1 Air Miles reward mile for … The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. 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. But which card is best depends on how much you travel. D’autres conditions s’appliquent. Carte Platine MasterCard de Capital One détails. The Capital One Mastercard, Exclusively for Costco is a cash back reward card, which is one of the things that’s most attractive about the card. 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. By providing my email address, I agree to CreditCards.com’s The Capital One Venture Rewards Credit Card is a Visa Signature travel rewards credit card earning 2x miles for every $1 spent on purchases. 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 will help someone with average credit to access a higher credit line and potentially build a better credit score. 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. For example, if you charge around $300 a month, you’ll earn roughly $54 over the course of the year. However, all credit card information is presented without warranty. Its cash back program offers no-fuss, predictable rewards, and you’ll know exactly how much your benefits are worth. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This card offers the same 1.5% cash back rate on all purchases, but is designed for cardholders with average credit. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Eno is at work 24/7, looking out for charges that might surprise you and helping you fix them. 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. Chase’s new Ink business card offers a $500 bonus and 1.5 percent back on every purchase. 3 Les bons de remise en argent sont accordés uniquement aux titulaires de compte admissibles. These include two new versions: World and Platinum.
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