#QUICKSILVER CAPITAL ONE SIGN IN PLUS#
#QUICKSILVER CAPITAL ONE SIGN IN FREE#

The difference in interest rates between the two cards isn't compelling, since carrying a balance at the standard APR is not an attractive option in either case. In contrast, the Capital One Platinum Card has a 30.74% Variable APR with no introductory rate ( see rates and fees ). The Quicksilver Cash Rewards Card offers a 0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months), and a 19.99% - 29.99% Variable APR beyond that ( see rates and fees ). Where the two cards differ is in their respective interest rates.

Neither one charges an annual fee, and both are free of foreign transaction fees, so there's no added cost for using them in other countries. The fee structures of the two cards are similar, but not identical. You'll be automatically considered for a credit limit increase in as little as six months, which is useful if you're approved initially for an insufficient line of credit, but provides little value otherwise. You'll also get extended warranty protection to cover purchases beyond what's provided by the manufacturer, and travel accident insurance when you use your card to pay for eligible fares.Īs with rewards and welcome bonuses, the Platinum card offers very little in terms of additional benefits. You'll get up to six months of complimentary Uber One membership, which normally costs $9.99 per month, and provides perks like discounts and waived fees. The Quicksilver card offers several valuable benefits on top of the basics. You can opt into security alerts by phone, text, or email in the event of suspicious transactions, and lock your account instantly by phone or through the Capital One mobile app in case your card is lost or stolen. Benefits and Featuresīoth the Capital One Quicksilver Cash Rewards Credit Card and Capital One Platinum Credit Card offer an assortment of standard features you'll find on most credit cards, such as zero fraud liability for unauthorized charges, contactless payment, autopay, and the ability to add authorized users. The same spending on the Platinum card would earn $0 in rewards, and that gap in returned value would replicate every year. Assuming none of those purchases are hotels or rental cars booked through Capital One, then that $6,000 in spending on the Quicksilver card would earn $90 of rewards each year. To illustrate the difference, consider a cardholder who charges an average of $500 per month ($6,000 annually). That means with respect to your return on purchases, the Platinum card falls short of not only the Quicksilver card, but also other cards in its own class. A lack of rewards is also common among credit cards for fair credit, but not universal, as several competing card products offer cash-back rates of 1% or higher. The Capital One Platinum Card also has a simple, consistent rewards structure: It doesn't earn points, miles, or cash back of any kind for ongoing spending. Your rewards won't expire so long as your account remains open and in good standing, so you can save them up or cash them out as frequently as you'd like.

You can redeem rewards as a statement credit to your card account (among other options) with no minimum redemption threshold.

You'll earn 5% cash back on hotels and car rentals booked through the Capital One travel portal, plus unlimited 1.5% cash back on all other purchases. The Quicksilver Cash Rewards Card has a simple, consistent rewards structure. The lack of a welcome bonus is just one of several ways the Platinum card fails to measure up to the Quicksilver card. This is common among credit cards for average or fair credit, though some cards in that class still come with incentives to apply (like an introductory 0% APR or cash back match).

In comparison, the Capital One Platinum Card does not offer a welcome bonus. The Quicksilver Cash Rewards Card offers a one-time $200 cash bonus once you spend $500 on purchases within three months of account opening. Plenty of credit cards come with more s ubstantial sign-up bonuses, but the Quicksilver welcome offer is on par with what you'll get from other top no-annual-fee credit cards. The contrast between these two cards is apparent from the outset due to their disparate welcome bonuses. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down.

#QUICKSILVER CAPITAL ONE SIGN IN FREE#

#QUICKSILVER CAPITAL ONE SIGN IN PLUS#

Quicksilver capital one sign in