Capital One Quicksilver Secured Cash Rewards Credit Card
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No sign-up bonus. Quicksilver Secured is a credit-builder product and Capital One does not pair welcome offers with its secured cards; the value proposition is earning 1.5% cash back while a refundable deposit is held as collateral.
Earning Rates
Earning rates
1- 1.5%
Unlimited 1.5% cash back on every purchase, every day, with no rotating categories and no cap on rewards earned (rare among secured cards; most secured products offer no rewards at all)
Statement credits
1- Cash back never expires for the life of the account and can be redeemed for any amount at any time as a statement credit, check, or to cover recent purchases
Travel & purchase protections
2- $0 fraud liability for unauthorized charges
- Eno, Capital One's virtual assistant: automatic merchant fraud alerts, free virtual card numbers for online purchases, subscription tracking, and free-trial expiration alerts
More benefits & fine print (8)ShowHide
- Minimum refundable security deposit of $200 opens an initial credit line of at least $200; depositing more raises the limit, with a maximum credit limit assigned at approval ranging from $1,000 to $3,000
- No interest is applied to the security deposit while Capital One holds it as collateral
- Upgrade path: with responsible card use (on-time payments, low utilization) cardholders may earn back the deposit and upgrade to an unsecured Quicksilver Cash Rewards card; all other card terms and the 1.5% cash-back rate remain the same after the upgrade
- Automatically considered for a higher credit line in as little as 6 months of responsible use, with no additional deposit required for the credit line increase
- Reports to all three major U.S. credit bureaus (Equifax, Experian, TransUnion) every month, unlike prepaid or debit cards
- Free access to CreditWise for VantageScore tracking, dark-web monitoring, and Social Security Number alerts
- Apple Pay, Google Pay, and Samsung Pay support
- Targeted at applicants building credit (limited or rebuilding credit history) who want a real Visa/Mastercard with cash-back earning, not a prepaid or debit alternative
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