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Pros & Cons
Pros
- +No annual fee
Cons
- –No purchase protection
Our Review
Build Credit & Earn Unlimited Cash Back with the Capital One Quicksilver Secured Cash Rewards Card
- 1.5% cash back on every purchase, automatically
- 0% intro APR on purchases and balance transfers for 15 billing cycles*
- No annual fee
- Unlock higher credit lines with automatic reviews starting at 6 months
- Transparent security deposit—your deposit equals your credit limit
- Build credit—reports to all three major bureaus
Whether you’re establishing or rebuilding credit, this secured card helps you earn simple, flat-rate cash back on everything you buy. Your refundable security deposit sets your credit line, and with responsible use, you’ll be eligible for credit line increases without additional deposits. Redeem your rewards any time as a statement credit—no minimums or hassles. Manage your account, track your FICO® Score and lock your card instantly if misplaced, all through the Capital One mobile app.
*Intro APR applies to purchases and balance transfers made within first 45 days; balance transfer fee: 3% of transferred amount (min $5). Ongoing APR 19.24%–29.24% variable. Foreign transaction fee: 3%. See issuer for full details.
Rewards
All Spending
1.5x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
45,000
Cash Back/yr
Estimated Value
$450
After Fees
+$450
1st Year Value
$450
incl. welcome bonus
Breakdown
Additional Benefits
Terms & Conditions
Card Features
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.