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Personally I think the Plat is better. That’s where a lot of people start. As you said, there’s no AF, which is a huge plus. Here’s the way I see it: with Cap One, a starter card is almost always going to have a low SL and most likely won’t ever grow for you, so I’d rather have the no-AF one. Starter cards are meant to build your credit so you can get a better/rewards card in the FUTURE. I wouldn’t be looking for high rewards with a builder card.
Good luck!
You can upgrade to the regular QS and get the same 1.5% cash back after around 3 statements. The QS1 is near impossible to do an upgrade. Go with the Plat. That's where I started out of BK. Good Luck!
The qs1 is notoriously hard to PC later, while you can PC the platinum in as little as 3-4 months to a normal qs with no AF. That's what I did for my platinum.
I should also note that my wife chose to PC her platinum to a venture1
The QS1 is a big trap. They're the hardest to PC to another card later to get out of the AF. Avoid that one at all costs.
@AverageJoesCredit wrote:
With a Pink and Grey Fire Medic, you can't go wrong
Yep. There are such trucks in pink!
@Anonymous wrote:The QS1 is a big trap. They're the hardest to PC to another card later to get out of the AF. Avoid that one at all costs.
You remember what I call the QS1. The BRICK!
@FireMedic1 wrote:
@AverageJoesCredit wrote:
With a Pink and Grey Fire Medic, you can't go wrongYep. There are such trucks in pink!
😮😮😮