Comparing the Capital One World Elite Mastercard and Quicksilver Credit Cards: Which is Best?
Credit cards are a great way to make purchases without having to worry about carrying cash, and to build up your credit score. But with so many cards out there, it can be hard to choose which one is best for you. In this blog post, we’ll be comparing the Capital One World Elite Mastercard and Quicksilver Credit Card to help you decide which is the best card for you.
Interest Rates
The interest rate on the Capital One World Elite Mastercard is variable, ranging from 15.99% to 25.99%. The Quicksilver card offers a fixed rate of 13.99%, making it the more attractive option if you’re looking to save money in interest. That said, the Capital One card does offer a lower rate for those with excellent credit.
The Capital One card also offers a 0% introductory APR for the first 12 months, which can be helpful if you’re looking to make a large purchase and need a bit of time to pay it off. The Quicksilver card doesn’t offer this benefit.
Rewards
The Capital One World Elite Mastercard offers a rewards program, allowing you to earn points for every dollar spent. These points can then be redeemed for cash back, gift cards, and travel rewards. The Quicksilver card does not offer a rewards program.
The Capital One card also offers a bonus of 25,000 points if you spend $3,000 in the first 3 months. This can be a great way to get a head start on your rewards points if you plan on making a large purchase early on.
Fees
The Capital One World Elite Mastercard does not have an annual fee, which makes it a great option if you’re looking to save money. The Quicksilver card does charge an annual fee of $39, which may be a deal-breaker for some.
The Capital One card does have a foreign transaction fee of 3%, while the Quicksilver card does not have any foreign transaction fees. This can be an important factor for those who travel frequently.
Security Features
Both the Capital One World Elite Mastercard and the Quicksilver card offer a number of security features, such as fraud monitoring, zero liability protection, and chip technology. The Capital One card also offers an auto rental collision damage waiver, which can be helpful if you’re planning a road trip.
The Quicksilver card does offer one unique security feature: free access to your FICO score. This can be a valuable tool to help you monitor and improve your credit score.
Customer Service
The Capital One World Elite Mastercard offers 24/7 customer service, both in person and over the phone. The Quicksilver card also offers 24/7 customer service, but only over the phone.
The Capital One card also offers an online chat feature, which can be helpful if you need quick answers to your questions. The Quicksilver card does not offer this feature.
Conclusion
Choosing the right credit card for you can be difficult, but both the Capital One World Elite Mastercard and the Quicksilver card offer a number of benefits. The Capital One card is a great choice if you’re looking for a rewards program and a low interest rate, while the Quicksilver card is a good option if you’re looking to save money on fees and want access to your FICO score. Ultimately, the choice is up to you.
Sign-Up Bonus
The Capital One World Elite Mastercard offers a sign-up bonus of 25,000 points if you spend $3,000 in the first three months. This can be a great way to boost your rewards with just a few purchases. The Quicksilver card does not offer a sign-up bonus.
Additional Benefits
The Capital One World Elite Mastercard also offers additional benefits such as travel insurance, extended warranty protection, and purchase protection. The Quicksilver card does not have any additional benefits.
Flexibility
The Capital One card is also more flexible when it comes to payments. It allows you to make payments online or by phone, as well as set up automatic payments. The Quicksilver card also allows you to make payments online and by phone, but does not offer the option to set up automatic payments.
The Capital One World Elite Mastercard also offers the ability to pay over time, which can be a great way to manage your budget. The Quicksilver card does not offer this feature.
