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Verified Jun 2026

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Miles
Capital One|Personal
/5
Annual Fee
$0

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Is this card worth it?
Annual fee
$0
Best for
Secured

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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.

Benefits and fees last verified Jun 2026against the issuer's published terms.

Earning Rates

1.5x
all purchases

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-06-17

No publishable welcome offer (no-current-offer).

Computed 2026-09-16T04:49:00.584Z from the facts above. This is a request-time answer, not something we monitor for you.

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)

Perks & memberships

1
  • Points longevityCash 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)Show
  • 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

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

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How we verified this card (1 source)Show

Sources last reviewed May 2026.

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

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