What is the difference between capital one quicksilver and platinum

While both cards have $0 annual fees, the Capital One Platinum Credit Card is designed for cardholders with less-than-perfect credit — typically lower than 670. Meanwhile, the Capital One Quicksilver Cash Rewards Credit Card is aimed at cardholders with good to excellent credit scores of 670 and above. It also offers 1.5% cash back on all purchases and a signup bonus, which the Capital One Platinum Credit Card doesn’t offer.

Table of Contents Show

How do I upgrade from Capital One Platinum to Quicksilver?
What is the limit on a Capital One Platinum card?
What is the highest limit on a Capital One Quicksilver?
What Capital One card is better than Quicksilver?

	Capital One Platinum Credit Card Terms apply, see rates & fees	Capital One Quicksilver Cash Rewards Credit Card Terms apply, see rates & fees
Finder rating
Finder rating	★★★★★ 4.5 / 5.0	★★★★★ 4.2 / 5.0
Best for
Best for	Building credit without a deposit	Easy-to-earn signup bonus and flat cash back on all purchases
Welcome offer
Welcome offer	N/A	$200 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards
Rewards	N/A	Earn unlimited 1.5% cash back on every purchase, every day and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
Purchase APR
Purchase APR	28.49% variable	0% intro APR for 15 months, and then 17.99% - 27.99% variable
Annual fee
Annual fee	$0	$0
Balance transfer APR
Balance transfer APR	28.49% variable	0% intro APR for 15 months (then 17.99% to 27.99%) 3% fee on the amounts transferred within the first 15 months variable
Cash advance
Cash advance	APR: 28.49% variable Fee: $10 or 3% of the transaction, whichever is greater	APR: 27.99% variable Fee: $10 or 3% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee	None	None
Late payment fee
Late payment fee	Up to $40	Up to $40
Additional cardholder fee
Additional cardholder fee	$0
Interest-free period
Interest-free period	25 days	25 days
Minimum interest
Minimum interest	$0
Minimum credit score
Minimum credit score	580	670
Card type
Card type	Credit	Credit
Learn more
Learn more	Read review	Read review

Pound for pound, the Capital One Quicksilver Cash Rewards Credit Card is a better card, but you most likely need good credit or better to qualify. If you have average credit, you may have better chances with the Capital One Platinum Credit Card.

Neither product a great fit? There are many other Capital One cards that might be better for your lifestyle and needs. Compare more of your options below.

Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com.

More guides on Finder

How do I upgrade from Capital One Platinum to Quicksilver?

How to Accept an Offer to Upgrade from Capital One Platinum to Capital One Quicksilver Online. Click “Upgrade Now” on the notice in your online account or email, followed by “Finalize Now.” Check the box stating you agree to the terms. Click “Upgrade Card” to complete the process.

What is the limit on a Capital One Platinum card?

The Capital One Platinum maximum credit limit can be as high as $3,000 according to online cardholder reports, but it will depend entirely on the specifics of each applicant's credit and their overall financial situation. Most cardholders get credit limits of at least $300, though.

What is the highest limit on a Capital One Quicksilver?

For the most part, qualified applicants looking to add the Capital One Quicksilver Cash Rewards Credit Card to their wallets can likely expect to receive a credit limit between $1,000 and $10,000.

What Capital One card is better than Quicksilver?

The Capital One Venture Rewards Credit Card is the winner over the Capital One Quicksilver Cash Rewards Credit Card. Capital One Venture is a better credit card than Capital One Quicksilver because it offers uniquely valuable travel rewards at a worthwhile price.