But if you factor in the annual fee, you’ll only earn around $15. Eno is at work 24/7, looking out for charges that might surprise you and helping you fix them. 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. 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. for no credit or average credit. The Capital One Platinum is one of a few cards on the market with no balance transfer fee. Privacy Policy, Essential news and expert tips in your inbox every week. CreditCards.com does not include the entire universe of available financial or credit offers. Earn $150 cash bonus when you spend $500 in your first three months. Connect with friends faster than ever with the new Facebook app. However, all credit card information is presented without warranty. Copyright © 2021 CreditCards.com a Red Ventures Company. The information for the Capital One Savor cards has been collected independently by The Points Guy. 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. Platinum card from American Express: Which card is best? Card Comparisons 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. The Quicksilver, on the other hand, charges 3 percent. Privacy Security AdChoices Terms & Conditions Security AdChoices Terms & Conditions Capital One Platinum vs. 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. 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. If you meet the spending prerequisite of $500 in your first three months, you’ll also qualify for the $150 one-time welcome bonus. Keep an eye on your inbox—we’ll be sending over your first message soon. 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. The Capital One Platinum will help someone with average credit to access a higher credit line and potentially build a better credit score. It doesn’t offer a rewards program, nor does it offer a sign-up bonus. Capital One Quicksilver offers a $200 bonus when you spend $500 within the first 3 months of opening the account. The Capital One(R) Platinum Credit Card and the Capital One(R) Quicksilver(R) Cash Rewards Card are both famously low in fees. With an opportunity to extend your credit after just five on-time payments, it’s a practical card that will yield long-term benefits. To request a Capital One Platinum balance transfer, call 1 (800) 227-4825 or go online and select the balance transfer option. Secured. 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 … 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 credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Capital One® Venture® Rewards Credit Card. Platinum card from American Express: Which card is best?, American Express Gold Card vs. 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. The Capital One SavorOne card gives you a way to earn rewards on all the food you buy, including both restaurants and grocery stores. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Carte Platine MasterCard de Capital One détails. 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. Unlike some competitors, it doesn’t charge an annual fee, nor does it charge a penalty rate. Get various travel benefits, including a TSA PreCheck or Global Entry statement credit worth $100. Read about topics that matter to you. 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. Get a 60,000-mile welcome offer after you spend $3,000 in your first 3 months. 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. 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. The Quicksilver, on the other hand, is about getting no-fuss rewards for your everyday spending. The Capital One Platinum Credit Card. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. 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. Good to excellent credit, which is at least 670-850. The only caveat: In addition to a higher minimum APR, it charges a $39 annual fee – which can significantly cut into your overall earnings. to maintain accurate information. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. People with average, fair or limited credit can apply for the Capital One Platinum Credit Card. 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. However, Uber Eats purchases earn 5x miles per $1 spent through January 31, 2020. August 24, 2015 Written By Jason Steele . If your credit is excellent, the Quicksilver card is a great low-maintenance cash back card to use for everyday spending. 2 Malheureusement, les transferts de solde ne sont pas possibles pour le moment. Covered items will be replaced or repaired or the purchase price will be reimbursed at the insurance company’s discretion. Compare Capital One Venture vs American Express Platinum and see which is better. But which card is best depends on how much you travel. 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. The Capital One® Secured Mastercard®, on the other hand, is a secured card where you … The Quicksilver is a clear-cut winner if uncomplicated rewards are what you’re after. 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 get zero percent APR on both purchases and balance transfers for 15 months (15.49 and 25.49 percent variable thereafter). Auto rental insurance if you rent a car with your credit card. The Capital One Venture Rewards Credit Card is one of the top travel rewards cards. Unlimited 1.5 percent cash back on every purchase. Citi Prestige vs. View side-by-side comparison of rewards, rates, fees, and benefits at CreditDonkey. For example, if you charge around $300 a month, you’ll earn roughly $54 over the course of the year. 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. These include two new versions: World and Platinum. 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. 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. See related: What to look for in a 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. 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 %. Your credit cards journey is officially underway. 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. 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. Receive cash back as a direct deposit or statement credit, apply to cover a recent purchase or spend on gift cards. The American Express Gold Card and Capital One Venture Rewards Credit Card rank as our top two travel and rewards credit cards. Fair to good credit, which is around 580-740. Microsoft may earn an Affiliate Commission if you purchase something through recommended links in this article. 3 Les bons de remise en argent sont accordés uniquement aux titulaires de compte admissibles. 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. American Express Gold Card vs. 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. 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. 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. 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. Credit One vs. Capital One — what are the differences between these two credit card issuers? The grandfathered Capital One Aspire World Elite Mastercard has been popular with its members, even after it was no longer available to new customers. New cardholders are eligible to receive access to a higher credit line after making just five on-time monthly payments. Privacy Policy. This card offers opportunities for establishing or rebuilding credit. Reasonable efforts are made If you have excellent credit, choosing the Quicksilver card over the Platinum card is a no brainer. Platinum Card from American Express. That breaks down to only around $167 a month in purchases during the promotional period. Moving on in this American Express Business Platinum vs Capital One Spark limited-time offer review, let’s talk about Capital One. But with the Quicksilver, you’ll get 1.5 percent back on every dollar spent, so that’s a total of nearly $229. Capital One Platinum 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. 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. 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. She began her career in journalism at The Atlantic in 2007, then detoured into nonfiction book publishing for several years. 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. The Capital One Venture Rewards Credit Card is a Visa Signature travel rewards credit card earning 2x miles for every $1 spent on purchases. 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. Enjoy extra protection when you travel, like auto rental collision damage waiver and travel accident insurance. The company has made a good card for those who has a good credit score. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. 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 Quicksilver vs. Capital One Platinum. Since larger credit limits are hard to get for consumers with damaged scores, that perk alone is worth a lot. Capital One is a dominant issuer and suits folks with excellent, good, or average credit. Of course, it can be very difficult to be approved for a new card when you are rebuilding your credit. Articles on Capital One Platinum Credit Card. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Given the lack of rewards, why would anyone consider the Capital One Platinum? 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. The Capital One Quicksilver card is a high-yield cash back card designed for cardholders with excellent credit. 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. Show full articles without "Continue Reading" button for {0} hours. See the online credit card applications for details about the terms and conditions of an offer. See related: Citi Prestige vs. Zero percent APR for 15 months on both purchases and balance transfers, then regular APR between 15.49 and 25.49 percent variable. Capital One Venture Rewards Credit Card. For cardholders who are just starting to use credit or who are rebuilding their credit scores, the Platinum card is a good option. 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.