Capital One Platinum vs. Capital One QuicksilverOne Credit Card (Platinum vs. Quicksilver One)
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- เผยแพร่เมื่อ 22 มิ.ย. 2024
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Thank you. I love the way you broke these cards down.
Thank you for making a video about low level earnings and potential profit from using the QuickSilver One as a like checking account. I've encouraged so many people to use a card like this as their checking account. Every payday, just sign in and pay. So glad to see a major contributor trying to encourage even low level cash back for people who can't spend $12,000 a year on groceries like one recent major card reviewer. Thank you. :)
I just don’t under how he doesn’t have 100k-200k subscribers….videos have been spot on!
Right??? 😀
Love your smartness and clarity
Only frankly I gotta catch up with you 🤗
Just paid off my platlium card in full this month! O balance woo hoo!! 💙😊💙😊💙
I got a letter in the mail saying I got pre-qualified for a quicksilver card, super excited
Great presentation!
Excellent review 👍🏽
VERY EXCELLENT 🤙🏾
Wow I never thought of these concepts
I love doing this kind of math, alot of "deals" don't work unless you're spending alot and paying it all off. He explains so clearly in this video. :)
The platinum card is a good card I've had the card for about 2 and a half years and it definitely helped me build up my credit score to get me 2 more credit cards the journey card and secured. Capital one is hands down the best bank if you wanna look for a credit card to start building credit. :)
Literally got my Capital one platinum card in the mail this morning 😄
Whats the credit limit on yours???
@@philfitial1090 only 300.. 😔 but 2020 has been all about repairing my credit for me.. i got the Discover it secured card back in June as well as a 1 year installment lone from Self.. and i went from a 505 to 645ish now.. so i figured it would be a good time get my second card since I'm forming some good habits
@@IceCold85 sounds like me
@@philfitial1090 I just turned 18 mine is 2000. Why is that
@@707Tyree Yours is higher because if you’re just establishing credit you have good credit. That’s how I was. Then I ruined my credit and had to rebuild.
Sticking with my Citi card and will product change to double cash. Best cash rewards out there.
That is what I need. Capital one drags their feet
I applied for the platinum 3 days ago, with 0 credit score and got approved with a $200 limit. It’s not much, but I hope I’m off to a great start.
Me too I had a 99 dollar deposit for a 200 hundred dollar credit limit Capital one
@@antoinegeorge4287 Good for you!! I hope you have great results. 😊
@@DailyTeaa I hope so too
Just make sure to make your payments on time, before the due date if possible! My credit score went from 0 to 669 in just one month of having the card.
@@DailyTeaa my credit score is 530 right now
I just got the platinum. 620 fico, 703 trans and equi. I’m excited to keep rebuilding my credit.
Go with the Chase Unlimited Freedom card in about 6 months.
@@fuckyoualphabet appreciate the advice. I will try that in 6 months. Thanks.
@@XG_Winchest3r you're welcome!
I got the capital one platinum with 595 credit about a month ago but still does not show up in my credit report? How long does it take to report to all 3 bearus?
I think you could of got the quicksilver one with that score
Ty for the info
I'll pass on the quick silver one then
I have the Platinum card which is $300 limit and the QuickSilver One with a $2500 limit.
Mmmm credit..I'm loving it 😆
I have the capital one quicksilver rewards card and it doesn’t have an annual fee and 1.5% unlimited cash back
Best policy is to get started and pay no interest.
Ok let me tell you a little story. That Platinum card... I’ve had for 4 years. In 2019 I made a cash advance of 40.00 dollars. I never really look at charges because I trusted them. However I kept noticing a 5.40 monthly charge. I called today to question it. That charge is from the 40 advance. Yes, 3 years over 200 in cash advance fees. I paid the card off completely over a year ago and started using it again. They could not tell me what month the card was paid off but I still have that lingering cash advance charge each month? So today, I paid off the card and will NEVER EVER use them again! I also have a quick silver card that I do not have issues with, but I need to closely check that one too!
I have the Quicksilver card and want to get the Venture card. Howe long do you think I need to wait to try for the Capital One Venture card?
Do u have to pay an annual fee after the first year with the platinum Mastercard?
Great video breakdown! I was considering upgrading my Cap. Platinum to the quicksilver but not anymore
I'm not sure you understood the video, but if you have a chance to upgrade to the actual Quicksilver card (not the Quicksilver One) I would suggest you do it. The Quicksilver card has all the benefits of the Quicksilver One card over the Platinum card, minus the annual fee. And you'll be able to get a nice credit limit, while the Quicksilver One card will be hard to get past $500. Quicksilver > Platinum > Quicksilver One
Yeah, if you can get your hands on the regular Quicksilver with no annual fee, that would be the way to go.
@@fuckyoualphabet I just got the quicksilver one with a 3000 limit lol.
@@Lssjg702 that's very interesting. What's your credit score? What kind of credit layout do you have?
@@fuckyoualphabet 700. I'm not sure what you mean by layout.
I have the quick silver card but I do not have an annual fee. I receive rewards with my quick silver card.
They have two different quicksilver cards one with annual and one without
Capital one upgraded my platinum to no annual fee quick silver no inquiry
how long did you have the platinum card before that happened?
@@ryanrichardson4103 about 2 to 3yrs I had applied for another cash back card and then barely used it....just kept it active. They offered venture or quicksilver upgrade no bonus...no benefits intil about two months ago...I got the paperwork...but my platinum was no annual fee to begin with
My first credit card was the Quicksilver and was approved for a 1k limit. Over the 6 months, my limit has moved up to 3,500. I was just pre-approved for the platinum with a 3k limit. Best cards to build your credit and fast.
What was your credit utilization on the quicksilver card, if you don't mind me asking?
@@iLiKeFooDNuMNuM mine was 100% and then they recently raised it 1k for total of 3850 lol I also got approved for platmim for 2k but I pay on time
I was approved for the Capital One Quicksilver spend $500 get a $200 bonus no interest for 12 months
I have both platinum and Quicksilverone with a 575 credit score. I have a 1000 credit line with Quicksilver 1 and 300 on the platinum.
How did u get both .I have platinum want more
@@arkimwilliamson4429 I applied for them 1yr apart. The Quicksilver just came this week.
@@arkimwilliamson4429 You can literally get both I just applied and got the quicksilver card with a 3k limit. My platinum had a 300 limit. Dosent take much if you already got the platinum. Sorry for late response.
@@AustinHicks0301new to this, wondering if I should apply for the quick silver one. Still under 600 credit score
Wow thats crazy Will…. My Credit Score is higher than yours and they only gave for $500 limit on Capitol One Quiksilver One Card’ How did u manage getting The 1,000 Credit Limit???? My Payment history is great on Secured Capitol One Platinum Card….u got me Puzzled😮😳’ $1000 limit would be Nice…….yessir…..please Educate….Thanks
I just got approved $1,000 platinum Credit Card just now
Same here by credit union! 😊😊😃
So would it be a good idea to try and apply for the platinum unsecured card, I have the secured card with a 200 clm and my score says 619? Or should I just wait a little while? I’ve only had my card since august
I would try after veterans day. Also, getting a credit builder loan will help you after about 6 months.
The APR is now 27%
Damn, just get a discover secured lol
Awsome Videos ! Whats the earliest I can request a credit line increase with my quicksilver one? Also can I do product change from silver one to regular silver
It's going to be extremely difficult to do either of those things with the Quicksilver One. I have amazing credit and they wouldn't give me an increase over $100 and wouldn't let me upgrade the card, even after I've had it for about two years. I suggest dropping the card and going with something else. The rest of the Capital One cards are pretty good, I haven't had the Savor card but it looks promising.
I'm thinking doing same in the future just go regular if not might just stick with discover and just apply Amex , chase. I have banking history with them, no CC yet
@@villantiofficial I recommend Chase, they've always been good to me. My second card was through them and my limit was $3300 from the start, two years later and it's $10,600
@@villantiofficial you will be better off getting the apple card.. I wanna cancel my quick silver one so bad but its one of my oldest cards
How can you go beyond the $3600.00 per year on the Capital One card with a $300.00 per month limit... X12months = $3600.00
Hi I have both of them and they’re good!! To build a credit I have 2500 line credit for me it’s good amount!!! Have a great day
I got approved for the Platinum credit card and got 3,000 dollar credit limit!!! AWESOME
I got approved $1,000 credit on the Quicksilverone credit card as my first credit card ever.! Is this correct ???
@@Itsfrankgee707 how is it
Got granted for platlium rewards card by credit union 😊😊😊
I just got the quick silver one card, But my credit limit is 500
Now all there cards are 30.49% APR NOT KIDDING
Yup
Can you do quicksilver one vs quicksilver secured
What was your credit score ? FICO
I got approved for the platinum with 500 limit
I just applied for the platinum card and got approved for 3k credit line and my score is 654 I was watching a few of these videos
Are serious? I have 734 and only got $800. Lol
also based on income not just credit. 650 and got 2k
My score is 580 and got it with 2k limit lol
@@fernandagarcia877 Yeah it's also based on your income you can have a 700 and have a 3k credit limit.
@@AustinHicks0301 I'm aware but it's not that because I make more than a decent amount.
$27 dollars in rewards when u spend $1800 in a year.....better than nothing i guess . lol
Rip Off
I applied for the Mastercard capital one platinum credit card and It’s being processed and I had sent them documents I hope I get preapproved for it
This happened to me too and they approved me this morning
@@nacha677 I know and I just sent them documents this morning of my bank statement
The Platinum is almost always the better choice regardless of spend. After 100 days of having the Platinum, you can product change to the Quicksilver, earning the same unlimited 1.5% without an annual fee.
It should also be noted that the Quicksilver One is notoriously difficult to product change out of and the annual fee isn't usually waived.
I upgraded to the QS from the Journey this morning. Easy peasy.
@@BaconBePropane Nice! How long have you had the Journey?
@@quikjfpv1665 4 or 5 months
This here. If you have platinum DO NOT get qs1. Insist on QS or just keep platinum. If you have platinum, can't change to QS, and want rewards, get a card from someone else and just keep platinum alive until they let you change to qs if ever. Don't pay annual fee for a card as mediocre as 1.5% back.
@@I..cast..fireball good idea.
My platinum limit is 500 and I just applied for quicksilver and my limit for that one is 2000?
I just stick to discover. Easy to use I get to speak to an America when I need help. Now I have credit history and just got approved for a sapphire card
Preferred or Reserve?
Hey! What Discovery credit card did you get?
But can u get the highly desirable black card from Chase lol
Discover is thy way to go for first card, not cap1. You don't want to be stuck with no rewards card with shitty limit, or 1.5% card with annual fee. Cap1 does not like to upgrade qs1 to QS, as there is no benefit to them. All discover cards are no annual fee, and they are good about letting you climb the ladder to the it cashback or it miles which are worth keeping forever. It miles is really just a FREE 1.5% card on disguise. Avoid cap1 jail of shitty cards. Go discover.
However, if you know you can get approved, as a first cap1 card the real QS is good if looking for a no foreign transaction fee card that is free, and does not require to redeem rewards as travel.
@@I..cast..fireball REAL TALK...I HAD A QS ONE FROM CAPITAL ONE..WITH 4500 CREDIT.LIMIT...THEY WOULDN'T UPGRADE IT TO THE REWARDS QS🤒🤒..SO I GOT APPROVED FOR A DISCOVER IT CARD WITH A CREDIT LIMIT $9,000 DOLLARS. WITH NO ANNUAL FEE...5% CASH BACK...SO I TRANSFERRED MY BALANCE FROM THE QS ONE.....TO THE DISCOVER IT CARD....I HAVE $355 IN CASH BACK AND DISCOVER JUST GAVE ME ANOTHER $355 IN CASH BACK MATCH....IT PAYS TO DISCOVER 💯💯💯💯💯💯💯😎😎😎😎😁😁😁😁😁
do the credit card company remember if you default on their cards in the past and it off your credit report
They got it in their files they won’t forget. What card (s) are you considering?
tHEY DON'T FORGET BUT IF YOU PAY IN FULL AND WAIT A PERIOD YOU WOULD BE ELIGIBLE AGAIN
If you wait a year after a charge off capital one will approve you for their platinum card albeit with a $300 limit
Wait this is wrong because I just got approved for the quick silver I have no credit haha what makes me so happy but one thing is that the quick silver has no longer the annual fee, I don’t have to pay annual fee but I still have the 1.5 cash reward, what means I get 1.5 dollar every time I use it and it has no cost for me to have it on my pocket, I’m so happy :))
Jokes on you I got both
At 19 I got a platinum card about 4 months with a $500 credit line, and just yesterday I applied for a quicksilver one, and got a $2000 credit line, I don’t mind the annual fee, I can spend 2,600 a year on it and pay 0 with the 1.5%, available credit matters.
I’m 19 as well! Do you think I should check if I’m pre approved or should I just apply for capital one platinum card?
@@Isabel-ek1so yes I did and I was. I got the quicksilver one card cl of 1,000$
🔥🔥👌
When I got the Quicksilver, they told me it was no annual fee. Did I get in on a special because I was already a customer?
The Quicksilver in the no annual fee card and the Quicksilver One has the $39 annual fee.
@@heirtothethrone000 thanks. I didn’t realize there were two.
@@lorimast . Lori, U are Good now.. I have the QS1 and they are not allowing me to graduate to the QS, Go Figure.
I put alittle over 5 grand on Quick Silver one and they waived the annual fee
That was smart
Maybe you are confused and they gave you the QUICKSILVER AND NOT THD QUCKSILVER ONE?
I did too and they never waived it for me.
Can i use eno with the platinum card?
Capital one gives such low credit limits
Noooo Adam they don't do upgrade it's been a year and my score is over 750 😠
The Quicksilver One is hard to upgrade and I know people who had it for 5yrs before it did.
Capital one doesn't do increases?
You can go to the Capital1 page. You can upgrade to the regular Quick Silver, with no annual
Note that qs is a visa signature card, which requires at least 10k limit. If your limit on qs1 is less, u can't product change to qs. Pleas.... Start with discover. By fa the best company to climb up with until you get the full blown it card, which is not that hard. Then branch out.
My platinum has 26.99% apr and 2000 limit
Thats goals i just got to 500
6 months post bankruptcy, and I was approved for $3000 total credit at 22.99%.
I am 26.99% and $3000 CL
@@nikki66972 same
@@dennisw.2366 blessed 🙏🏽
Both denied me the same
RIP
Most people getting these cards have terrible credit. Beggers cant be choosers. Get what you can and build your credit score with on time payments and less than 5% utility rate.
Do they do a hard pull
Yeah. You can check if you’re pre-approved but once you apply they’ll do a hard pull.
What do you mean hard pull? Do you think I should see if I pre approved first or just apply ?
@@Isabel-ek1so Definitely check if you’re pre approved first. It won’t guarantee 100% that you get accepted, but it will make the hard inquiry more worthwhile. A hard pull usually takes about 5 points off your credit score, temporarily.
@@steelberg23 I just got accepted for the plantinum. thank you !
@@Isabel-ek1so That’s great, congrats!
Why do u speed up and talk super fast at the end of your videos?
have to go to the bathroom
@@ProudMoney 🤣🤣🤣
🤣🤣🤣🤣
Do the math 🤪
I really hate that card 😒😒
Which one??
I love how capital one just puts Platinum on the most base card. Amex is dying inside
Yeah, not sure who came up with that inside Cap One.
@@ProudMoney It actually refers to the Mastercard level. It's a Platinum Mastercard instead of a World or World Elite.
Apple card blows both of these out the 🌊 water
sadly ive had my cap 1 card over 2 years with 300 credit limit with a 660 credit score i applied to get another card theu said wait till they call me ive waited 1 year still no phone call ive used the automatic approved credit card it said i already have one so i cant even upgrade this comany is a p.i.t.a. = pain in the ass company
I applied for a visa petal credit card 6mos after using my capital one card. Capital one gave a credit increase as well. The visa petal has 1% cash back and just as easy to deal with. They also gave me a significant higher limit than cap one.