Capital One Quicksilver Secured Cash Rewards Credit Card
The Capital One Quicksilver Secured is a secured card with no annual fee that earns unlimited 1.5% cash back on every purchase. A $200 refundable deposit opens a credit line of at least $200, and responsible use could get your deposit back and move you to an unsecured card.
No Firstcard offer · free sign-up
No Firstcard offer · free sign-up
- Minimum deposit
- $200
- Fees
- $0
- APR
- 29.24% variable
- Credit check
- Yes
- Reports to
- All 3 bureaus
- Unsecured upgrade
- Yes
The details
- Minimum deposit
- $200 min
- Annual fee
- $0
- APR
- 29.24% variable
- Credit check
- Yes
- Prequalification
- Yes
- Reports to
- Equifax, Experian and TransUnion
- Unsecured upgrade
- Responsible use could get your deposit back and move you to an unsecured card
- Credit limit
- At least $200 with a $200 deposit. Deposit more to raise it, up to a maximum set at approval
- Foreign transaction fee
- None
- Rewards
- Unlimited 1.5% cash back on every purchase
- Deposit
- Paid up front
- Deposit refund
- Returned as a statement credit if you upgrade, or when you close the account and pay in full
- Bank account required
- Yes
Facts come from the issuer's own terms, checked October 28, 2026. Confirm them on the issuer's site before you apply.
Pros & cons
Pros
- Unlimited 1.5% cash back on every purchase.
- No annual fee and no foreign transaction fees.
- Check if you are pre-approved with no impact to your score.
Cons
- The 29.24% variable APR is high if you carry a balance.
- You need a $200 deposit to start.
- Capital One does not give a set timeline for moving to an unsecured card.
Compare Capital One Quicksilver Secured Cash Rewards Credit Card to other secured cards
Capital One Quicksilver Secured Cash Rewards Credit Card
—- Min. deposit
- $200
- Fees
- $0
- APR
- 29.24% variable
- Min. deposit
- Varies
- Fees
- $0
- APR
- None
- Min. deposit
- $200
- Fees
- $35
- APR
- 23.89% variable
- Min. deposit
- $100
- Fees
- $0 first year, then $25
- APR
- 27.74% variable
After this card, similar cards from the same list are picked automatically: cards from Firstcard partners first, then the rest, each group by Firstcard editors' rating. That order may reflect partner compensation, as how we rate explains. It never changes a rating. The full list shows them all. Clicks are Firstcard members sent to each card in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- High APR. 29.24% is well above the U.S. average of 22.15% for cards that charge interest (Federal Reserve, Q2 2026). If you can't pay in full every month, a balance gets expensive fast.
- Low limit, so watch your credit use. On a $200 limit, a $60 purchase already uses 30% of your line, and high credit use can lower your score. Pay right after you buy, before your statement closes.
U.S. average APR on accounts assessed interest: Federal Reserve G.19, Q2 2026.
How credit use affects your score: myFICO on amounts owed.
How Firstcard works
Firstcard exists to make finance simple and accessible, so anyone can choose the right financial product with confidence. That means showing every fee and every catch upfront, and holding ourselves to the same standard. Here is how Firstcard works, and how we make money.
How we rate. Our editors' rating for a secured card weighs four things. What does it cost in the first year, with every fee and the APR? What limit do you actually get? What do you need to qualify? And how does it help you build credit? Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
How we make money. Firstcard may earn a commission when you click a link on this page, get approved, or open an account. That is what keeps our comparisons free to use. See how we make money and our current partners.
Ratings versus placement. Star ratings, member reviews, and our cost math are never influenced by money, and no partner sees a review before it publishes. Where a product appears is a separate question: featured spots and default ordering can reflect partner compensation and what members click and choose. That is why the rating and the real numbers travel with every product, wherever it sits. See our Advertiser Disclosure and Editorial Guidelines.
Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
