Capital One Quicksilver Secured Cash Rewards Credit Card Review 2025

• Capital One Quicksilver Secured Cash Rewards Credit Card Introduction
• Quick Facts
• What Is the Capital One Quicksilver Secured Cash Rewards Credit Card Best For?
• Capital One Quicksilver Secured Cash Rewards Credit Card Rewards
• Other Capital One Quicksilver Secured Cash Rewards Credit Card Benefits
• Fine Print
• How the Capital One Quicksilver Secured Cash Rewards Credit Card Stacks Up
• Is the Capital One Quicksilver Secured Cash Rewards Credit Card for You?
• Methodology

Capital One offers the Capital One Quicksilver Secured Cash Rewards Credit Card to eligible applicants looking to build credit. Like nearly all secured cards, the Quicksilver Secured requires an up-front deposit, which serves as your maximum credit line. However, Capital One reviews accounts regularly to determine if a secured card can be upgraded to an unsecured account. Account holders also receive their deposit back—assuming the account is in good standing—upon account closure or upon being moved to an unsecured card counterpart at Capital One’s discretion.

Be aware, though, that Capital One Quicksilver Secured Cash Rewards Credit Card carries a high 29.49% variable APR on purchases and balance transfers. A Balance Transfer Fee applies to balances transferred at a promotional rate. Anyone new to credit cards or trying to build credit should be especially careful not to carry a balance because of the risk of accumulating more debt through interest charges. The card also doesn’t offer any opportunities to earn bonus cash back on everyday expenses like groceries, gas or dining out.

• $0 annual fee
• This card does not offer a welcome bonus
• Earn an unlimited 1.5% cash back on every purchase and 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
• Requires a $200 refundable deposit to secure credit
• 29.49% variable APR on purchases and balance transfers. A Balance Transfer Fee applies to balances transferred at a promotional rate

The Capital One Quicksilver Secured Cash Rewards Credit Card is best for someone seeking to build their credit and can pay their bill in full each month. If you can, the combination of rewards earnings and the ability to upgrade to an unsecured card make this an appealing option.

Earning Rewards

The Capital One Quicksilver Secured Cash Rewards Credit Card earns an unlimited 1.5% cash back on every purchase and 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.

Redeeming Rewards

Cash-back rewards earned with the Capital One Quicksilver Secured Cash Rewards Credit Card may be redeemed at any time for any amount. Rewards do not expire for the life of the account. Earnings can be redeemed for cash as a statement credit, to cover recent purchases or for gift cards. You can also redeem your rewards for travel through Capital One Travel.

Rewards Potential

Forbes Advisor uses data from various government agencies to determine baseline income and spending averages across various categories. We estimate a typical average household in the market for this card would have $31,809 in expenses that can reasonably be charged to a credit card. We also assume all travel spending is booked through Capital One Travel.

Capital One Quicksilver Secured Cash Rewards Credit Card Rewards Potential

Category	Earning Rate	Estimated Annual Spend	Estimated Annual Earnings
Eligible Capital One Travel Bookings	5%	$6,883	$344.15
All Other Purchases	1.50%	$24,926	$373.89
			Total: $718.04

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• Emergency card services. If your card is lost or stolen, you can get an emergency card replacement and a cash advance, subject to available credit.⁺
• Fraud coverage. Cardholders aren’t responsible for unauthorized transactions.
• CreditWise. Monitor your credit with CreditWise. It’s free for everyone.
• No foreign transaction fees. It won’t cost you extra to use your card abroad.

Interest Rates

• Regular APR: 29.49% (Variable)
• Purchase intro APR: N/A
• Balance transfer intro APR: N/A

Fees

• Annual fee: $0
• Balance transfer fee: Balance Transfer Fee applies to balances transferred at a promotional rate
• Foreign purchase transaction fee: None

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

The Discover it® Secured Credit Card earned a spot on Forbes Advisor’s list of the best secured cards, and for good reason: The card earns 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases.

To sweeten the deal, the Discover it® Secured Credit Card offers a welcome bonus: Unlimited Cashback Match™ - Discover will automatically match all the cash back earned at the end of the first year. Because it also charges no annual fee and has a (slightly) more reasonable 26.99% variable APR on purchases and balance transfers, Discover it® Secured Credit Card beats the Quicksilver Secured.

Capital One Quicksilver Secured Cash Rewards Credit Card vs. Bank of America® Customized Cash Rewards Secured Credit Card*

While credit card rewards may be attractive to many first-time cardholders, keep in mind that the main purpose of a secured card or other beginner cards is to improve weak or nonexistent credit. However, the Bank of America® Customized Cash Rewards Secured Credit Card* certainly has an appealing rewards structure. Cardholders earn 6% cash back for the first year in the eligible category of your choice, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% cash back on all other purchases. After the first year from account opening, earn 3% cash back on purchases in your choice category and 2% cash back at grocery stores and wholesale clubs up to the quarterly maximum. These kinds of rewards are very rare to find on a secured card. Like the Capital One Quicksilver Secured Cash Rewards Credit Card, this card requires a minimum $200 deposit, and has a comparable APR of 27.99% variable.

For those with damaged or nonexistent credit, the Capital One Quicksilver Secured Cash Rewards Credit Card has some upside. But, even for this group, this card may be a second or third pick; there are other reward-earning secured cards on the market. But, rewards aside, what’s most important when opening a new card is managing it responsibly. Don’t get this or any card unless you’re sure you’re ready. You should be able to pay off a balance on time in full each month because failure to do so will incur debt accumulation and harm your attempts to successfully build your credit.

Forbes Advisor considers a variety of criteria when assigning credit cards a rating. Cards are graded based on numerous factors, including:

• Annual fees
• Welcome bonus offers
• Ongoing earning rates
• Value of individual rewards
• Included travel or merchant credits
• Additional cardholder benefits

We give greater weight to the card features we believe cardholders will use most frequently. These factors combine to generate a star rating for each card.

To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates credit cards.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.