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This secured credit card offers a great way to build credit — even if you’ve had problems in the past — as it includes automatic credit line reviews and a path to potentially get your deposit back. It also offers 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel. 

About the Capital One Quicksilver Secured Cash Rewards Credit Card * The information for the Capital One Quicksilver Secured Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

The Capital One Quicksilver Secured Cash Rewards Credit Card * The information for the Capital One Quicksilver Secured Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. was designed for applicants with fair credit. To open an account, you must make a minimum $200 refundable deposit, and the amount of the deposit becomes your credit line. But after, this no-annual-fee card works similar to any other credit card. You’ll receive a monthly statement and you must make a payment each month. 

Where the Quicksilver Secured Card shines is its competitive cash-back reward rate. You earn an unlimited 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel, with no limits. Those rewards can be redeemed for a statement credit, a check, or used to purchase gift cards.

Plus, the Quicksilver Secured Card also offers both an automatic credit line review after six months — so you may qualify for a higher credit line with no additional deposit — and a path to upgrade to an unsecured version and have your deposit returned to you. This combination of beneficial features make the card an excellent choice among secured credit cards.

Capital One Quicksilver Secured Card basics

• Annual fee: $0.
• Welcome bonus: None.
• Rewards: 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel.
• APR: 29.99% variable APR on purchases and balance transfers.
• Other perks and benefits: Path to upgrade to an unsecured card, automatic credit line reviews, $0 fraud liability, lock your card in the Capital One mobile app, monitor your Experian and TransUnion credit reports and VantageScore credit score with CreditWise.
• Does it report to all three credit bureaus? Yes.
• Does the issuer offer a pre-approval tool? Yes.
• Recommended credit score: Fair.

Capital One Quicksilver Secured Card other details

Capital One Quicksilver Secured Card rewards

The Quicksilver Secured Rewards Card from Capital One offers 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel. Rewards can be redeemed for checks or statement credits or applied to cover past purchases. You can also redeem your rewards for gift cards.

Capital One Quicksilver Secured Card rewards potential

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has an annual income of $84,352 and $25,087 in expenses they are likely to be able to charge to a credit card. 

Earning 1.5% rewards on $25,087 would earn about $376 in cash back. However, be aware if you have a low credit limit such as $200, spending $25,087 might not be feasible and would require paying off the account in full numerous times each month.

With a secured card, your main focus shouldn’t be on earning rewards anyway. The ability to do so is a nice perk, but you want to focus on keeping low utilization — the amount of credit you’re using compared to your credit limit —  and paying on time every month.

Capital One Quicksilver Secured Card APR details

The Capital One Quicksilver Secured Card has a 29.99% variable APR on purchases and balance transfers. This card has no introductory financing offer. Note, we recommend avoiding cash advances, as interest begins accruing immediately — unlike with regular purchases, where you have a grace period before incurring interest.

Capital One Quicksilver Secured Card pros

• Be approved without great credit: As a secured card, this product is designed for those who have had credit problems.
• Earn cash back: This is one of the rare secured cards offering a competitive rate of cash back.
• Useful account features: By adding the extension for Capital One’s assistant Eno to your browser, you can take advantage of virtual card numbers for safer online shopping. And, the Capital One mobile app lets you lock your card if it’s misplaced or stolen.
• Light on fees: This card has no annual fee and no foreign transaction fees. 

Capital One Quicksilver Secured Card cons

• Requires a security deposit:  A minimum $200 deposit is required to open an account. The maximum amount you can deposit, and thus your maximum credit limit on this secured card, will range from $1,000 to $3,000 based on your creditworthiness. 
• High standard interest rate: As with all cards designed for applicants with less-than-stellar credit, you can expect a standard interest rate that’s higher than average. 
• Requires fair credit: While the Quicksilver Secured is an excellent choice if you have fair credit and you’re looking to improve it, if your score is deep in the poor credit range — typically considered a FICO Score below 580 — you might not qualify. In that case, you might instead consider one of the alternate secured cards we list in the next section.

How the Capital One Quicksilver Secured Card compares to other secured credit cards

Capital One Quicksilver Secured Card vs. Discover it® Secured Credit Card

Like the Quicksilver Secured Rewards Card, the Discover it® Secured Credit Card requires a minimum $200 refundable security deposit, and has no annual fee or foreign transaction fees. Plus, Discover will review your account starting at seven months to see if you qualify to move to an unsecured version of the card. 

This card earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all other purchases. Discover will automatically match all the cash back earned at the end of the first cardmember year. Which card is better for you will likely come down to which rewards structure will net you the most cash back. 

Capital One Quicksilver Secured Card vs. Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card * The information for the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Another close competitor of the Quicksilver Secured Rewards Card is the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card * The information for the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . It also requires a minimum security deposit of $200 and features 1.5% cash back on purchases. There’s no annual fee for this card, but it does have a foreign transaction fee. 

Capital One Quicksilver Secured Card vs. Capital One Platinum Secured Credit Card * The information for the Capital One Platinum Secured Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

This secured credit card is also issued by Capital One, but it works a bit differently than the Quicksilver Secured Rewards Card. With this card, a $49, $99, or $200 minimum deposit opens your account with an initial credit line of $200. And while it also doesn’t have an annual fee or foreign transaction fee, you don’t earn any rewards either. However, having the potential for a lower opening deposit may be more important to you upfront than earning any rewards.

Just be aware you aren’t guaranteed to be able to make one of the lower deposit amounts. If you’re approved for this card, Capital One will notify you what your minimum deposit is. 

Should you get the Capital One Quicksilver Secured Card?

The Quicksilver Secured Rewards Card is a great option for those who need to work on rebuilding their credit or establishing credit, with the extra benefit of earning cash back, too. It also has the advantage of charging no annual fee and no foreign transaction fees.

As with all secured credit cards, you’ll have to submit a security deposit to the issuer before your account can be opened. However, the Quicksilver Secured Rewards Card comes with the benefit of Capital One reviewing your account for potential credit line increases and the possibility of converting your account to an unsecured one with consistent responsible usage. Those attributes, plus the rewards-earning potential, are ideal features in a secured card.

Capital One Quicksilver Secured Card summary

CAPITAL ONE QUICKSILVER SECURED CARD DETAILS
Annual fee	$0
Rewards	Earn 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel
APR	29.99% variable APR on purchases and balance transfers
Credit limit range	Minimum of $200 up to a potential maximum of $3,000, depending on creditworthiness
Major perks and benefits	Path to upgrade to an unsecured version, automatic review for credit line increases, $0 fraud liability

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Frequently asked questions (FAQs)