Credit One Bank® Platinum X5 Visa®
vs. Capital One QuicksilverOne Cash Rewards Credit Card

Both the Credit One Bank® Platinum X5 Visa® and the Capital One QuicksilverOne Cash Rewards Credit Card cater to individuals with fair to good credit, offering cash back rewards without rotating categories. However, the Credit One Platinum X5 edges ahead with its higher cash back rate on select categories, making it beneficial for those who have significant expenses in those areas.

Still worth considering, the QuicksilverOne offers a flat cash back rate on all purchases and a potential for a higher credit line, which can be valuable for everyday spending and credit building.

Neither card is co-branded, ensuring their rewards are versatile for any purchase.

You might prefer the Credit One Platinum X5 if you spend significantly on gas, groceries, internet, cable, satellite TV, and mobile phone services. With 5% cash back on up to $5,000 of these purchases annually, this card maximizes returns for targeted spending despite a higher annual fee.

You might prefer the QuicksilverOne if you value simplicity and consistency in your rewards. A flat 1.5% cash back rate on all purchases means you don't have to track spending categories or caps. The lower annual fee can also be a deciding factor if you prefer to minimize costs.

Evaluating APRs, fees, credit requirements, rewards and additional features side by side clarifies which card aligns with your financial habits. For instance, if you spend heavily on gas and groceries, the Credit One Platinum X5's 5% cash back on eligible purchases might appeal to you. In contrast, QuicksilverOne's lower annual fee could be more attractive for those looking to minimize costs.

The Credit One Platinum X5 edges out with its targeted rewards. It offers 5% cash back on essential services and groceries, up to $5,000 annually, then 1%. This card is a strong contender for those who spend heavily in these categories.

The QuicksilverOne keeps it simple with a flat 1.5% cash back on all purchases, appealing for its consistency across the board. While it may not offer the same peak rates on specific categories, its travel-related cash back of 5% on hotels and rental cars booked through Capital One Travel is noteworthy for frequent travelers.

The table below details the bonus categories for both cards to help you compare them at a glance.

The Credit One Platinum X5 cardmembers can redeem cash back for statement credit, gift cards, and merchandise.

The QuicksilverOne provides various redemption options similar to cash, such as statement credits and gift cards, offering flexibility in how you use your cash back.

Both cards offer non-expiring rewards, ensuring you have ample time to use them.

MoneyGeek evaluates credit cards like the QuicksilverOne and Credit One Platinum X5 using a scoring system tailored to various use cases, such as cash back. In this comparison, both cards are assessed based on their performance in the cash back category.

The largest factors influencing their scores are the effectiveness of the rewards program and the return on investment for offers. For a detailed understanding of our evaluation process, you can review our ranking methodology.