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. Neither card charges an annual fee or foreign transaction fee, making them both low-cost additions to your wallet. August 24, 2015 Written By Jason Steele . 3 Les bons de remise en argent sont accordés uniquement aux titulaires de compte admissibles. 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. Advertiser Disclosure, by Since larger credit limits are hard to get for consumers with damaged scores, that perk alone is worth a lot. The offers that appear on this site are from companies from which CreditCards.com receives compensation. The company has made a good card for those who has a good credit score. Enjoy extra protection when you travel, like auto rental collision damage waiver and travel accident insurance. The grandfathered Capital One Aspire World Elite Mastercard has been popular with its members, even after it was no longer available to new customers. 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. Considering the Platinum doesn’t have any intro APR periods, the Quicksilver wins yet again by default. Subscribe to get the week’s most important news in your inbox every week. Platinum card from American Express: Which card is best? back Capital One Classic Platinum. 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. Read about topics that matter to you. Also, people who don’t use credit cards often tend to like plain, vanilla cards because they’re simpler than rewards cards. The Capital One® Platinum Credit Card offers a strong package of cardholder benefits and is marketed to applicants with average credit or better. 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. Capital One Platinum Vs. Capital One Quicksilver spending example. If your credit is excellent, the Quicksilver card is a great low-maintenance cash back card to use for everyday spending. 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. Keep an eye on your inbox—we’ll be sending over your first message soon. By providing my email address, I agree to CreditCards.com’s 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. According to the U.S. Bureau of Labor Statistics, the average household expenditure was just over $61,000 in 2018. 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. Its 1.5 percent flat-rate cash back is not the highest, but there isn’t a cap on the rewards you can earn. The Quicksilver, on the other hand, is about getting no-fuss rewards for your everyday spending. The Capital One Venture Rewards Credit Card is a Visa Signature travel rewards credit card earning 2x miles for every $1 spent on purchases. 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. By providing my email address, I agree to CreditCards.com’s Earn an unlimited 2x miles on all purchases. Kelly Dilworth Its cash back program offers no-fuss, predictable rewards, and you’ll know exactly how much your benefits are worth. The Capital One SavorOne card gives you a way to earn rewards on all the food you buy, including both restaurants and grocery stores. 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. Find tips for managing money and more from wherever you are. With this card, there are tools for managing credit responsibly, valuable benefits for cardholders and an annual fee of $0. 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. The Capital One® Secured Mastercard®, on the other hand, is a secured card where you … Capital One is a dominant issuer and suits folks with excellent, good, or average credit. New cardholders are eligible to receive access to a higher credit line after making just five on-time monthly payments. to maintain accurate information. The American Express Gold Card and Capital One Venture Rewards Credit Card rank as our top two travel and rewards credit cards. Aspire Cash™ World MasterCard® (Discontinued) Earn 50% extra cash … See related: Citi Prestige vs. Microsoft may earn an Affiliate Commission if you purchase something through recommended links in this article. Unlimited 1.5 percent cash back on every purchase. The only caveat: In addition to a higher minimum APR, it charges a $39 annual fee – which can significantly cut into your overall earnings. Since the Capital One Platinum doesn’t come with a rewards program, the Quicksilver is again the winner. D’autres conditions s’appliquent. BMO Air Miles World Elite. That makes this card stand out, because most reward credit cards will only offer cash back in one of those categories, not both. 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. 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? Capital One Platinum. But if you’re trying to build credit or just want a plain, no-frills card, the Platinum card has some appealing features. It offers a flat 1.5 percent cash back rate that can add up to big savings for cardholders who use it regularly. CreditCards.com does not include the entire universe of available financial or credit offers. 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. Eno is at work 24/7, looking out for charges that might surprise you and helping you fix them. People with average, fair or limited credit can apply for the Capital One Platinum Credit Card. You’ll earn greater rewards with the Quicksilver because it has a cash rewards program. With an opportunity to extend your credit after just five on-time payments, it’s a practical card that will yield long-term benefits. Given the lack of rewards, why would anyone consider the Capital One Platinum? This card offers opportunities for establishing or rebuilding 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. But changes are coming to the card on August 5, 2020, and not for the better. 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. View side-by-side comparison of rewards, rates, fees, and benefits at CreditDonkey. Moving on in this American Express Business Platinum vs Capital One Spark limited-time offer review, let’s talk about Capital One. You can also get 24-hour travel assistance services and roadside assistance for auto emergencies. Your credit cards journey is officially underway. Earn an additional miles after spending on purchases within the first . 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. 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. Kelly Dilworth. 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. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. 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. That breaks down to only around $167 a month in purchases during the promotional period. 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. Chase’s new Ink business card offers a $500 bonus and 1.5 percent back on every purchase. Zero percent APR for 15 months on both purchases and balance transfers, then regular APR between 15.49 and 25.49 percent variable. The Capital One Platinum is one of a few cards on the market with no balance transfer fee. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. That said, since the Platinum card is designed for cardholders who have average credit, its finance charges are steep. 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. 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 %. However, all credit card information is presented without warranty. Card Comparisons Platinum Card from American Express. Reasonable efforts are made Of course, it can be very difficult to be approved for a new card when you are rebuilding your credit. Connect with friends faster than ever with the new Facebook app. The offers that appear on this site are from companies from which CreditCards.com receives compensation. There are no minimum redemption requirements, and your rewards won’t expire as long as your account is open. Meet Eno ®, your Capital One Assistant. 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. It doesn’t offer a rewards program, nor does it offer a sign-up bonus. The Quicksilver is a clear-cut winner if uncomplicated rewards are what you’re after. However, we may receive compensation when you click on links to products from our partners. Platinum card from American Express: Which card is best?, American Express Gold Card vs. compare. Compare Capital One Venture vs American Express Platinum and see which is better. CreditCards.com is an independent, advertising-supported comparison service. It offers: 60,000 miles ($600 in travel) once you spend $3,000 on purchases within the first 3 … Both are purely cash-back cards, with no tiers, earning limits, minimums, or annoying restrictions that many other cards have. It has not been provided or commissioned by the credit card issuers. 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. 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. 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. $39 annual fee. Capital One Quicksilver offers a $200 bonus when you spend $500 within the first 3 months of opening the account. 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. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. According to the U.S. Bureau of Labor Statistics, the average household expenditure was just over $61,000 in 2018. See the online credit card applications for details about the terms and conditions of an offer. Capital One Venture Rewards Credit Card. The Capital One Platinum Credit Card * is a card worth considering for those looking to establish or rebuild credit. 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. Get essential reads every week with our newsletter. 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 Credit Card vs. Capital One® Quicksilver® Cash Rewards Card. Unlike some competitors, it doesn’t charge an annual fee, nor does it charge a penalty rate. Receive cash back as a direct deposit or statement credit, apply to cover a recent purchase or spend on gift cards. ©2020 Capital One. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. 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. Privacy Security AdChoices Terms & Conditions Security AdChoices Terms & Conditions Without a rewards program, the Capital One Platinum will clearly earn you nothing by way of cash or travel rewards. If you meet the spending prerequisite of $500 in your first three months, you’ll also qualify for the $150 one-time welcome bonus. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. is a personal finance contributor and former staff reporter at CreditCards.com. 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. To request a Capital One Platinum balance transfer, call 1 (800) 227-4825 or go online and select the balance transfer option. The Capital One Platinum will help someone with average credit to access a higher credit line and potentially build a better credit score. Privacy Policy, Essential news and expert tips in your inbox every week. But which card is best depends on how much you travel. Get various travel benefits, including a TSA PreCheck or Global Entry statement credit worth $100. frais annuels 0 $ Récompenses Gagner. 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. The Capital One Quicksilver Cash Rewards Credit Card and the Capital One Platinum Credit Card share the same issuer. $120 Annual fee (waived in the 1st year) Earn 1 Air Miles reward mile for … Here's a side by side comparison of the card offerings. 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. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. 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. By providing my email address, I agree to CreditCards.com’s Citi® / AAdvantage® Platinum Select® World Elite Mastercard® vs. Capital One Venture Rewards Credit Card. 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. Capital One Platinum does not have any rewards—it functions more as a gateway to credit building. 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. Late summer 2011, Capital One added two new MasterCards to the Aspire family, to replace their old tiered cash-back reward cards. See related: What to look for in a credit card. World MasterCard partners with Fairmont, Mandarin Oriental, and Relais & Chateaux properties, so you get discounts in luxury hotels all over the world. Carte Platine MasterCard de Capital One détails. Auto rental insurance if you rent a car with your credit card. 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. Fair to good credit, which is around 580-740. Good to excellent credit, which is at least 670-850. 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. Redemption is flexible too, so you can redeem when you want and in ways that suit you. Capital One Platinum Preferred Card is a new credit card product. The Platinum card’s finance charges are high, so it’s not a great choice for carrying a balance. 2 Malheureusement, les transferts de solde ne sont pas possibles pour le moment. CAPITAL ONE PLATINUM VS. QUICKSILVER: REWARDS. Citi Prestige 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.