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Better card for rebuilding? Capital one platinum or capital one quicksilver one?

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Better card for rebuilding? Capital one platinum or capital one quicksilver one?

Which is better: Cap 1 a platinum or Cap 1QS?
DH has a CC with our CU and a Wayfair card. We are trying to add a third revolving credit to help with optimizing his score. He has a car loan with Santander as well so he has the installment loan already.

He is prequalified for both the Capital One Platinum card unsecured and the Capital One QuicksilverOne Cash Rewards Credit Card. Which is the better option. I like the cash back rewards with the QS but the Platinum has no annual fee and offers a potential CLI after 5 months.

End game goal is home mortgage by end of 2020.
16 REPLIES 16
Community Leader
Valued Contributor

Re: Better card for rebuilding? Capital one platinum or capital one quicksilver one?

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! 

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Message 2 of 17
Super Contributor

Re: Better card for rebuilding? Capital one platinum or capital one quicksilver one?

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!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 3 of 17
Community Leader
Mega Contributor

Re: Better card for rebuilding? Capital one platinum or capital one quicksilver one?

With a Pink and Grey Fire Medic, you can't go wrongSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
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Message 4 of 17
Community Leader
Super Contributor

Re: Which is better: Cap 1 a platinum or Cap 1QS?

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.







Message 5 of 17
Community Leader
Super Contributor

Re: Which is better: Cap 1 a platinum or Cap 1QS?

I should also note that my wife chose to PC her platinum to a venture1







Message 6 of 17
Super Contributor

Re: Better card for rebuilding? Capital one platinum or capital one quicksilver one?

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. 



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 7 of 17
Super Contributor

Re: Better card for rebuilding? Capital one platinum or capital one quicksilver one?


@AverageJoesCredit wrote:
With a Pink and Grey Fire Medic, you can't go wrongSmiley Wink

Yep. There are such trucks in pink!

pink.jpg





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 8 of 17
Super Contributor

Re: Better card for rebuilding? Capital one platinum or capital one quicksilver one?


@Saeren 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! Smiley Very Happy





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 9 of 17
Community Leader
Valued Contributor

Re: Better card for rebuilding? Capital one platinum or capital one quicksilver one?


@FireMedic1 wrote:

@AverageJoesCredit wrote:
With a Pink and Grey Fire Medic, you can't go wrongSmiley Wink

Yep. There are such trucks in pink!

pink.jpg


😮😮😮

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 10 of 17
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