Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Build credit and earn 1.5% cash back with $0 annual fee
The Capital One Quicksilver Secured helps you establish credit history while earning rewards. Start with a refundable $200 security deposit, earn unlimited 1.5% cash back on every purchase, and access a clear path to upgrade to the unsecured Quicksilver card.
$0
Annual Fee
Up to 5X (Travel portal)
Highest rate (conditional)
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Credit Required
Fair
Benefits & Perks
Estimated annual value: $275
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| Earn your deposit back and upgrade to unsecured card | — | credit_management | — | |
| Automatic credit line reviews starting after 6 months | — | credit_management | — | |
| Credit monitoring | — | Identity Protection | — |
Details & Terms
| Foreign Transaction Fee | $0 |
Reviews & Analysis
Combined Protection Value
$10,000
No liability for fraudulent transactions if card is lost or stolen
Temporarily disable your card from the Capital One Mobile app
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Generate unique virtual card numbers to keep your real card number private
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 90 days, up to $10,000 per item, secondary to other insurance.
Quicksilver Secured stands apart in the secured card category by delivering cash back rewards and a transparent upgrade path. Most secured cards offer basic rewards or limited earning rates, but this card gives you unlimited 1.5% on everything plus bonus categories—matching the rewards of unsecured cards while you build your credit.
The Points Guy's review with a 3/5 rating, analyzing the card's rewards potential and value for secured credit building.
WalletHub rating and expert review with community feedback. Rated 4.7/5 overall and 5.0/5 by WalletHub editors.
CompareCards analysis and comparison of the Quicksilver Secured against competing secured credit cards.
Credit Karma's detailed review covering benefits, rewards, and how the card compares to other secured options for credit building.
Experian's review with a 4.6/5 rating based on 154 user reviews. 91% of users recommend the card.
Motley Fool's comprehensive review of the Capital One Quicksilver Secured, evaluating rewards structure, fees, and suitability for building credit.
Forbes Advisor's guide to Capital One's card portfolio, highlighting Quicksilver Secured as the best secured card for earning rewards.
NerdWallet's expert review evaluating the card's rewards earning, fees, and suitability for secured credit applicants.
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
