Capital One Platinum Secured vs Capital One Quicksilver Cash Rewards
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
money8020 pick CO Capital One Platinum Secured Capital One 94/100 | CO Capital One Quicksilver Cash Rewards Capital One 93/100 | |
|---|---|---|
| Tier | Essential | Essential |
| Annual fee | $0 | 1.5% |
| Security deposit | $49 / $99 / $200 | $0 |
| Rewards | None | 0% for 15 months |
| Upgrade path | Yes | 18.49%–28.49% |
| Annual fee | $0 | $0 |
| Best for | People building or rebuilding credit on a tight budget | People who want flat-rate cash back with zero category tracking |
| View profile | View profile |
Which should you choose: the Capital One Platinum Secured or the Capital One Quicksilver Cash Rewards?
The Capital One Platinum Secured is the stronger pick of the two, with a money8020 score of 94/100 versus 93. Choose the Capital One Quicksilver Cash Rewards instead if people who want flat-rate cash back with zero category tracking.
On annual fee, the Capital One Platinum Secured shows $0 versus the Capital One Quicksilver Cash Rewards's 1.5%. On security deposit, the Capital One Platinum Secured shows $49 / $99 / $200 versus the Capital One Quicksilver Cash Rewards's $0. On rewards, the Capital One Platinum Secured shows None versus the Capital One Quicksilver Cash Rewards's 0% for 15 months. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Capital One Platinum Secured vs Capital One Quicksilver Cash Rewards: FAQ
Is the Capital One Platinum Secured or the Capital One Quicksilver Cash Rewards better?
By our scoring, the Capital One Platinum Secured edges ahead with a money8020 score of 94/100 versus 93. The Capital One Quicksilver Cash Rewards can still be the better fit if people who want flat-rate cash back with zero category tracking.
What is the main difference between the Capital One Platinum Secured and the Capital One Quicksilver Cash Rewards?
On annual fee, the Capital One Platinum Secured offers $0 while the Capital One Quicksilver Cash Rewards offers 1.5%. Review the full table above and confirm current terms with each provider. This is not financial advice.