If you are looking for a card with rewards that can be applied to almost everything that you buy, then the Capital One Quicksilverone and Capital One Platinum cards are the cards for you. The QuicksilverOne and the Platinum cards are both great cards for those looking to build credit, but which one works for you? The differences between these two cards are primarily that the QuicksilverONE has no rewards program, while the Platinum does have a good rewards program.
Some cards have rewards programs like the rewards offered by American Express or Chase that do not give anything in the way of rewards that can be used towards spending, but the QuicksilverONE and the Platinum have very good rewards programs. The QuicksilverONE card has an added bonus, the Mastercard Plus, which allows you to redeem your reward points for airfare, hotels, car rentals, dining, movies and so on.
The Capital One card also has other perks, such as free access to the grocery store on weekends and certain holidays, free gas and tolls, and free cash. If you use your card wisely, you will be able to spend less than you would with a regular credit card and still make purchases that get you rewarded.
In addition to the rewards programs, some cards even have travel perks, like free travel insurance, baggage insurance, etc. There are some cards that do not have travel perks, but if you are willing to wait for the rewards to come through, then the Travel Rewards card is one to consider.
Both of the Capital One cards also come with the MasterCard Plus, which allows you to redeem your reward points for a gift card. With a gift card, you can shop anywhere Visa is accepted, including the internet, or online stores. The gift card allows you to pay off any balance that is remaining on your credit card, allowing you to avoid late fees and get more purchases off of the card.
These are the basics of both the QuicksilverONE and the Platinum, the Capital One cards. Be sure to compare the rewards and the benefits that each offers before deciding which one will work best for you!
Cards with rewards should be chosen carefully. They may come with some perks, but if you don't use the cards enough, you may find yourself not using them as much as you should. The rewards should be something that you will actually use!
It is a good idea to get more than one card so that you can use it when you can't use it. This way, you will know what you need and don't waste it. if you have to cancel or change cards, you will always have a backup plan.