New: Compare up to 3 cards side-by-side instantly Compare now →
The Platinum Card from American Express vs Capital One Quicksilver Cash Rewards
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | The Platinum Card from American ExpressAmerican Express | Capital One Quicksilver Cash RewardsCapital One |
|---|---|---|
| Rating | 4.8/5 | 4.3/5 |
| Annual Fee | $895 | $0 |
| APR | N/A (Pay Over Time: 19.49% - 28.49%) | 18.49% - 28.49% |
| Signup Bonus | As high as 175,000 points after spending $12,000 in 6 months (offer varies by applicant) | $200 cash bonus after spending $500 in 3 months |
| Rewards Rate | 5X on flights and prepaid hotels via Amex Travel, 1X on everything else | 1.5% cash back on every purchase, 5% on hotels and rental cars through Capital One Travel |
| Credit Score | excellent | good |
| Pros | Centurion Lounges + Priority Pass + Delta Sky Clubs (10 visits/yr) Over $2,000 in annual credits (hotel, airline, Uber, Saks, Resy, CLEAR) 5X on flights and prepaid hotels via Amex Travel | 1.5% unlimited cash back on every purchase with no annual fee 5% on hotels and rental cars through Capital One Travel No foreign transaction fees |
| Cons | $895 annual fee is steep without maximizing credits 1X on most non-travel spending Charge card — balance must be paid in full (Pay Over Time available) | 1.5% base rate trails 2% flat-rate competitors No bonus spending categories beyond travel portal No intro APR on purchases |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: The Platinum Card from American Express
With a 4.8/5 rating, the The Platinum Card from American Express edges out the Capital One Quicksilver Cash Rewards (4.3/5). At $895/yr, the value proposition is strong. The Amex Platinum is the ultimate luxury travel card. With unmatched lounge access, 5X on flights and hotels, and over $2,000 in annual credits, it rewards frequent travelers who can put its perks to work.