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Paypal 2% or Cap One QuickSilver

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Regular Contributor

Paypal 2% or Cap One QuickSilver

If inquiry is not an issue, which one is the better card? which one grows to a higher limits?

 

AAoA 7yrs 11mos
Inquries: TU7/EQ6/EX8
Utilization: less than 25%
Mortgage
Auto Loan
Personal Loan
Derogatory: 0


Starting Scores FICO 8 (Aug '18):
EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 1/2020
Message 1 of 6
5 REPLIES 5
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Contributor

Re: Paypal 2% or Cap One QuickSilver

Synchrony Bank’s Paypal card, hands down. Synch has been very generous with me in terms of CLIs. Can’t say the same about Cap1.
Message 2 of 6
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Community Leader
Super Contributor

Re: Paypal 2% or Cap One QuickSilver

PayPal is 2% and grows. QS is 1.5% and grows slow unless you put heavy use. The benefit of Cap1 is they leave you alone. You can max out the card or one from another lender and all they'll do is ask if you want to make more than the minimum payment to avoid interest. They'll even tell you how much more to pay to cover the interest if you carry a balance.







Message 3 of 6
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Community Leader
Mega Contributor

Re: Paypal 2% or Cap One QuickSilver

Paypal 2%, ease of use, redemption, easier cli, 1 hp, etc. Just my humble opinion, C1 too many hoops Smiley Wink
Message 4 of 6
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Regular Contributor

Re: Paypal 2% or Cap One QuickSilver

Thanks, pulled the trigger for PayPal...approved for 2.5K

AAoA 7yrs 11mos
Inquries: TU7/EQ6/EX8
Utilization: less than 25%
Mortgage
Auto Loan
Personal Loan
Derogatory: 0


Starting Scores FICO 8 (Aug '18):
EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 1/2020
Message 5 of 6
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Moderator

Re: Paypal 2% or Cap One QuickSilver

This thread is locked and closed to new messages.

 

The new thread can be found here:  https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Paypal-MC-2-Approved/m-p/5403461

Message 6 of 6
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