Capital One Quicksilver Secured Cash Rewards Credit Card
A secured credit card that earns unlimited 1.5% cash back on every purchase, designed to help build or rebuild credit with no annual fee.
Annual Fee
$0
Top Earning Rate
1.5% back all purchases
Foreign Tx Fee
None
Rating
N/A
Earning Rates
Unlimited 1.5% cash back on every purchase
Pros & Cons
Pros
- Earns unlimited 1.5% cash back on all purchases, which is competitive for a secured card
- No annual fee keeps the card cost-effective for credit builders
- No foreign transaction fees, making it usable abroad without extra costs
- Refundable security deposit means cardholders get their collateral back
- Automatic upgrade consideration to an unsecured card with responsible use
Cons
- Requires a minimum $200 upfront security deposit to open the account
- High purchase APR of 29.99% makes carrying a balance costly
- Upgrade to an unsecured card is not guaranteed and timeline varies
- Limited benefits compared to unsecured rewards cards at higher credit tiers
Key Takeaways
- Earns a flat 1.5% cash back on every purchase with no annual fee, which is strong for a secured card
- Requires a refundable minimum $200 security deposit that is returned upon upgrade or account closure in good standing
- Capital One may automatically upgrade eligible cardholders to an unsecured card over time
- No foreign transaction fees make this card usable internationally without penalty
- The 29.99% APR means carrying a balance should be avoided to prevent high interest costs
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 29.99%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
3 benefits
Travel Credits
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
What is the minimum security deposit required to open this card?
Does this card charge an annual fee?
What cash back rate does this card earn?
Are there foreign transaction fees on this card?
What credit score is needed to qualify for this card?
Can I upgrade this card to an unsecured card?
Will I get my security deposit back?
What card network does this card run on?
What is the purchase APR on this card?
Is this card a good fit for someone who travels internationally?
About This Card
This card is best for consumers with fair credit who are actively building or rebuilding their credit history and want to earn cash back rewards in the process. It suits those who can pay their balance in full each month and want a no-annual-fee secured card with a clear path toward an unsecured product.
The Capital One Quicksilver Secured Cash Rewards Credit Card is a secured card aimed at consumers building or rebuilding their credit. It earns unlimited 1.5% cash back on all purchases with no annual fee. A refundable security deposit is required to open the account, and Capital One may automatically consider cardholders for an upgrade to an unsecured card over time. There are no foreign transaction fees.
Unlike most secured cards that offer no rewards or charge foreign transaction fees, this card delivers unlimited 1.5% cash back on every purchase with no annual fee and no foreign transaction fees, combining credit-building utility with genuine everyday value.
Ready to Decide?
Apply for the Capital One Quicksilver Secured Cash Rewards Credit Card
Current offer available with no annual fee.
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 2 of 3 benefits rated high confidence
Read our full methodology for how we collect, verify, and rate credit cards.
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