Capital One Quicksilver Secured Cash Rewards Credit Card vs Capital One Spark Cash

Common questions

Which card has the bigger sign-up bonus, Capital One Quicksilver Secured Cash Rewards Credit Card or Capital One Spark Cash?

The Capital One Spark Cash has a public bonus ($1,000 cash bonus, worth roughly $1,000), while the Capital One Quicksilver Secured Cash Rewards Credit Card doesn't advertise one right now.

Is the Capital One Quicksilver Secured Cash Rewards Credit Card's $0 annual fee worth it compared to the Capital One Spark Cash?

The Capital One Quicksilver Secured Cash Rewards Credit Card has no annual fee, so the question is whether the Capital One Spark Cash's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Cash's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Capital One Quicksilver Secured Cash Rewards Credit Card.

Can I have both the Capital One Quicksilver Secured Cash Rewards Credit Card and Capital One Spark Cash?

Yes, though both are issued by Capital One so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Capital One Quicksilver Secured Cash Rewards Credit Card or the Capital One Spark Cash first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Quicksilver Secured Cash Rewards Credit Card: no published min spend. Capital One Spark Cash: $10,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.