When you compare Capital One Platinum vs. QuicksilverOne, the main differences are that QuicksilverOne gives 1.5% cash back on all purchases and has a $39 annual fee. On the other hand, Platinum does not offer rewards and has a $0 annual fee. Other than that, Capital One QuicksilverOne vs. Platinum is a draw. Both cards are for people with limited or fair credit. Both also have a $300 minimum credit limit. And neither card charges a foreign transaction fee.
Capital One Platinum and Capital One QuicksilverOne are both great starter credit cards. They’re designed to help people with limited or no credit experience build good credit scores inexpensively. Which of the two will be better for you depends on how much you plan to spend. QuicksilverOne is better if you plan to charge at least $2,600 a year ($216.67 per month) because that’s when the rewards will cover the cost of the annual fee. Platinum is preferable otherwise.
The best Capital One travel card is the Capital One Venture Rewards Card because it offers 50,000 bonus miles for spending $3,000 in the first 3 months and gives at least 2 miles per $1 on all purchases. Bookings made on hotels.com/venture yield 10 miles per $1. Capital One Venture’s initial bonus alone is worth $500 in travel, more than covering the cost of its $95 annual fee ($0 the first year). As a result, the Venture Card is more than just the best Capital One travel card; it’s one of the best travel credit cards from any issuer.… read full answer
But in a sense, every Capital One credit card is a good travel card. Capital One is one of just a few credit card companies without foreign transaction fees on any of their cards. Plus, Capital One’s travel cards are special in the sense that cardholders can redeem rewards for statement credits to pay for any travel purchase charged to the account. This adds flexibility in travel booking without sacrificing any value.
Several of Capital One’s other offers do stand out above the rest, though. For example, the VentureOne Card is the best Capital One travel card with no annual fee. And the SavorOne Card’s dining and entertainment rewards are great for vacation fun. It just depends on what exactly you’re looking for.
Best Capital One Travel Cards:
Capital One Venture Rewards – Best overall
Capital One VentureOne Rewards – Best for no annual fee
Capital One SavorOne Cash Rewards – Best for dining
Journey Student Rewards from Capital One – Best for students
Capital One VentureOne Rewards is the best Capital One travel card for no annual fee because it combines a $0 annual fee with a sizeable bonus: 20,000 miles for spending $1,000 in the first 3 months. That’s worth $200 in travel. It also offers 1.25 miles per $1 spent on purchases (10 at hotels.com/venture). Venture One has a 0% intro APR on purchases for 12 months. The card requires good credit.
When it comes to dining, the Capital One SavorOne Cash Rewards card is the best because it gives 3% cash back at restaurants, 2% on groceries and 1% on everything else. There’s also a $150 bonus for spending $500 in the first 3 months. SavorOne has a $0 annual fee. Plus, it has a 0% intro APR on purchases and balance transfers for 9 months. SavorOne requires good credit.
Students looking for the best Capital One travel card will appreciate Journey Student Rewards. It offers 1% cash back on all purchases to students with limited or fair credit. And that increases to 1.25% if you pay your bill on time. There’s a $0 annual fee.
You’ll need good credit to take advantage of Capital One’s best travel cards. But if you currently have bad credit, you’re not out of luck. The Capital One Secured Mastercard may not have rewards, but it doesn’t have an annual fee or a foreign transaction fee, either.
Capital One Quicksilver rewards are simple: You get 1.5% cash back on every Quicksilver purchase, with no limit on the amount you can earn, and you can redeem for a statement credit or check at any time. For context, most cash back credit cards give you 1% back as a base rate. And unlike rewards cards with points or miles, you’ll always know exactly how much your Quicksilver cash back is worth. … read full answer
So the Capital One Quicksilver rewards program is generally characterized by a combination of simplicity and top-shelf savings potential. There are a few nuances you should be aware of, though.
Here’s what you need to know about Capital One Quicksilver’s rewards:
There’s an initial bonus. Spending $500 within 3 months of account opening gets you an extra $150 bonus cash back.
There’s a Spotify promotion. When you pay for a Spotify Premium subscription with your Capital One Quicksilver card, you can get half of the $9.99 monthly fee back as a statement credit (through April 2018). You don’t have to do anything extra to get this other than pay with your card.
Your cash back doesn’t expire. But you’ll lose it if you close your account or Capital One closes it for you (because you didn’t pay the bill, for example).
You have redemption options. You can choose to schedule redemption of all your rewards at a certain time of year, or after you’ve earned a certain amount. You can manage all of these choices by logging in to your account at CapitalOne.com. You may also redeem your cash back for previous purchases or gift cards. If you don’t choose to set up automatic redemption, you’ll have to request your cash back through your account. You can do this at any time.
You might be able to transfer. If you have another Capital One credit card account, it might be possible to transfer your cash back rewards there. But it depends on which card it is.
Overall, I’d definitely say Capital One Quicksilver is one of the best cash back credit cards. And I definitely recommend setting up automatic rewards redemption if you get it.
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