The Platinum Card from American Express vs. Capital One Quicksilver Cash Rewards Credit Card
On the criteria below, The Platinum Card from American Express wins 2 of 4. The verdict depends on which criteria matter to you.
The Platinum Card from American Express
Amex
Capital One Quicksilver Cash Rewards Credit Card
Capital One
The Platinum Card from American Express wins 2 of 4 criteria here, making it the stronger all-rounder.
The Platinum Card from American Express wins on first-year math and lounge access; Capital One Quicksilver Cash Rewards Credit Card wins on annual fee.
Pick the The Platinum Card from American Express if year-one math is your priority; take the Capital One Quicksilver Cash Rewards Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 1 (1 tie)- First-year math The Platinum Card from American Express
The Platinum Card from American Express wins on bonus value minus annual fee.
- Annual fee Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card is $895 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
- Lounge access The Platinum Card from American Express
The Platinum Card from American Express includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $895
- Free
- Welcome offer (typical value)
- $2,800
- $200
- First-year net
- +$1,905
- +$200
- Peak earning rate
- 5×
- 5×
- Top categories
- Flights, Prepaid Hotels
- Travel Portal, Capital One Entertainment
- Lounge access
- centurion, delta-sky-club, priority-pass
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- American Express Membership Rewards
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.