Capital One Platinum Secured vs. Capital One Quicksilver Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Platinum Secured
Capital One
4.2
Secured card with flexible deposit. Consider for credit building.
Full review →Capital One Quicksilver Cash Rewards
Capital One
4.5
1.5% cash back on every purchase. No annual fee. No foreign transaction fee.
Full review →WealthSpott Verdict
Capital One Quicksilver Cash Rewards wins on more measurable categories — particularly annual cost. Capital One Platinum Secured may still win for your wallet depending on your spending patterns.
Feature
Capital One Platinum
Capital One Quicksilver
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
0%
1.5%
Rewards Type
None
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
29.99% Variable
19.99%-29.99% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
300-669
670-850
Capital One Platinum Secured
Capital One Quicksilver Cash Rewards
Pros
- 1.5% cash back on every purchase
- No annual fee and no foreign transaction fee
- 0% intro APR for 15 months
Cons
- No bonus categories for heavy spenders
- 1.5% rate trails the best flat-rate cards at 2%
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