Quicksilver Secured Rewards vs Capital One Venture Rewards Credit Card
Annual fees: Quicksilver Secured Rewards $0/yr, Capital One Venture Rewards Credit Card $95/yr. Strongest bonus categories: Quicksilver Secured Rewards on everyday spending, Capital One Venture Rewards Credit Card on hotels.
Card data as of October 12, 2026.
Quicksilver Secured RewardsCapital One · No annual fee
Capital One Venture Rewards Credit CardCapital One · $95/yr
Overview
- Annual fee
- Quicksilver Secured Rewards$0LowestCapital One Venture Rewards Credit Card$95
- Welcome offerCurrent public offer
- Quicksilver Secured Rewards—Capital One Venture Rewards Credit Card75,000 miles
- Rewards
- Quicksilver Secured RewardsCash backCapital One Venture Rewards Credit CardCapital One Miles
- Foreign transaction fee
- Quicksilver Secured RewardsNoneCapital One Venture Rewards Credit CardNone
- Network
- Quicksilver Secured RewardsMastercardCapital One Venture Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Everything else
- Quicksilver Secured Rewards1.5%Capital One Venture Rewards Credit Card2x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Quicksilver Secured Rewards—Capital One Venture Rewards Credit Card
- $300 Stays Credit (1st Year) · $300 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
- Other credits
- Quicksilver Secured Rewards
- Earn your deposit back and upgrade to unsecured card
- Automatic credit line reviews starting after 6 months
Capital One Venture Rewards Credit Card—
Perks & access— means none on record
- Lounges
- Quicksilver Secured Rewards—Capital One Venture Rewards Credit Card
- Capital One Lounge access at $45/visit
- Hotel status & programs
- Quicksilver Secured Rewards—Capital One Venture Rewards Credit Card
- $50 Lifestyle Collection
- Car rental
- Quicksilver Secured Rewards—Capital One Venture Rewards Credit Card
- Free Hertz Five Star Elite Status with Premium Benefits
- Other perks
- Quicksilver Secured Rewards
- Emergency card replacement service
- No foreign transaction fees
- Capital One Travel
Capital One Venture Rewards Credit Card- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Popular Restaurants
- Exclusive Capital One Entertainment Access with VIP Packages
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Quicksilver Secured Rewards—Capital One Venture Rewards Credit Card
- Travel Accident Cover at No Extra Charge
- Rental car
- Quicksilver Secured Rewards—Capital One Venture Rewards Credit Card
- Secondary Auto Rental Collision Damage Waiver for Rental
- Purchase & returns
- Quicksilver Secured Rewards
- Zero Liability on unauthorized transactions
Capital One Venture Rewards Credit Card- Automatic Price Drop Cover and Price Match Guarantee
- Purchase Security up to $10,000 per claim
- Extended warranty
- Quicksilver Secured Rewards—Capital One Venture Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
- Other protections
- Quicksilver Secured Rewards
- Lock your card instantly from your phone
- Virtual card numbers for secure online shopping
- Credit monitoring
- 24/7 lost/stolen card assistance worldwide
Capital One Venture Rewards Credit Card- Credit monitoring
- Card Replacement and Cash Advance When Traveling Abroad
- Zero Dollar Fraud Liability Cover on All Unauthorized
Pros & cons
- Pros
- Quicksilver Secured Rewards—Capital One Venture Rewards Credit Card
- Unlimited 2X miles on every purchase with no category tracking required
- 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- One-time $300 stays credit for hotels and vacation rentals in the first year
- 75,000 mile welcome bonus after $4,000 spend in 3 months
- TSA PreCheck or Global Entry credit ($120 value every 4 years)
- Cons
- Quicksilver Secured Rewards—Capital One Venture Rewards Credit Card
- $95 annual fee (only partly offset by the one-time first-year stays credit)
- No lounge access or premium travel perks like Venture X
- 5X earning requires booking through Capital One Travel portal
- 2X flat rate beaten by category-specific cards in dining, groceries, etc.
Category-by-Category Winner
The Capital One Venture Rewards Credit Card wins in 4 of 4 categories. The Quicksilver Secured Rewards leads in 0.
Hotels
Capital One Venture Rewards Credit Card earns 5X vs 1.5X
5X via issuer travel portal
Car Rentals
Capital One Venture Rewards Credit Card earns 5X vs 1.5X
5X via issuer travel portal
Vacation Rentals
Capital One Venture Rewards Credit Card earns 5X vs 1.5X
5X via issuer travel portal
Everyday purchases
Capital One Venture Rewards Credit Card earns 2X on all other spending vs 1.5X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Capital One Venture Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Quicksilver Secured Rewards | Capital One Venture Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $180 | Rewards: $312 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $247 Year one: $1,402 | Capital One Venture Rewards Credit Card | Capital One Venture Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $720 | Rewards: $1,248 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $1,183 Year one: $2,338 | Capital One Venture Rewards Credit Card | Capital One Venture Rewards Credit Card |
Is the Fee Difference Worth It?
The Capital One Venture Rewards Credit Card costs $95/yr — that's $95 more than the Quicksilver Secured Rewards (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Capital One Venture Rewards Credit Card includes travel credits, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Capital One Venture Rewards Credit Card needs roughly $95 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Quicksilver Secured Rewards means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the Capital One Venture Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Capital One Venture Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the Capital One Venture Rewards Credit Card vs 1.5X on the other card.
Published annual fees: Quicksilver Secured Rewards $0/yr, Capital One Venture Rewards Credit Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Capital One Venture Rewards Credit Card worth the higher annual fee?
- The Capital One Venture Rewards Credit Card costs $95/yr vs $0/yr for the Quicksilver Secured Rewards. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture Rewards Credit Card also lists travel credits).
- Which card earns more rewards, the Quicksilver Secured Rewards or Capital One Venture Rewards Credit Card?
- The Capital One Venture Rewards Credit Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.
- What benefits does the Quicksilver Secured Rewards have that the Capital One Venture Rewards Credit Card doesn't?
- The Quicksilver Secured Rewards focuses on earn rates, while the Capital One Venture Rewards Credit Card offers travel credits.
- Should I get the Quicksilver Secured Rewards or the Capital One Venture Rewards Credit Card?
- Use the spend scenarios on this page: the Quicksilver Secured Rewards has a lower $0/yr fee; the Capital One Venture Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.