Credit One Bank® Platinum Visa®
vs. Capital One QuicksilverOne Cash Rewards Credit Card

Both the Credit One Bank® Platinum Visa® and the Capital One QuicksilverOne Cash Rewards Credit Card cater to individuals with fair to good credit, offering cash back rewards and fraud protection without introductory APRs. The QuicksilverOne stands out with its unlimited 1.5% cash back on all purchases and potential for a higher credit line, making it the superior choice if you value simplicity and higher rewards.

The Credit One Platinum should not be overlooked, because it also provides cash back on everyday purchases and could be a suitable option for those seeking to build credit with responsible use.

You might prefer the QuicksilverOne if you value simplicity in earning rewards. With a flat cash back rate on all purchases and potential for a higher credit line, it's a strong choice if you want straightforward rewards and use your card frequently across various categories.

You might prefer the Credit One Platinum if your spending is concentrated in specific areas such as gas and groceries. The card offers cash back in these categories and provides a free credit score and report summary, which can be beneficial if you’re closely monitoring your credit health.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if you prefer a flat cash back rate on all purchases, the QuicksilverOne may appeal to you, whereas the Credit One Platinum could be favorable for specific category spending.

The QuicksilverOne stands out with its straightforward cash back program, offering an unlimited 1.5% on all purchases. Travelers will appreciate the added perk of 5% back on bookings through Capital One Travel. By contrast, the Credit One Platinum's most compelling feature is its 1% cash back on eligible gas and grocery purchases, as well as select services.

If you prioritize a higher rewards rate across all spending, the QuicksilverOne is the clear winner. However, if your spending is heavily concentrated in the categories where Credit One Platinum offers cash back, it could be a consideration. Neither card complicates matters with rotating categories or spending caps, making them both straightforward options.

The table shows a detailed comparison of the bonus categories for each card.

The QuicksilverOne keeps it simple: cash back does not expire and there are no limits to earnings. Similarly, the Credit One Platinum card offers straightforward redemption, with cash back automatically credited to your account without expiration. Both cards offer redemption processes that are similar to cash, such as statement credits or gift cards, providing flexibility in how rewards can be used.

MoneyGeek analyzes credit cards using a ranking process tailored to specific use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score.