Capital One Quicksilver Secured Cash Rewards Credit Card | CompareCards.com

Capital One Quicksilver Secured Cash Rewards Credit Card

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Capital One Quicksilver Secured Cash Rewards Credit Card

 

Rated 4.5/5.0 stars by our editorial team

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Rates & Fees
  • Regular Purchase APR 29.99% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®
  • Regular Purchase APR 29.99% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed Limited/Poor
  • Card Brand Mastercard®

Highlights

  • 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 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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Card Fees

Foreign Transaction Fee

None

Balance Transfer Fee

Balance Transfer Fee applies to balances transferred at a promotional rate

Penalty APR

None

Ongoing Information

Rewards Rate

1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)

Annual Fee

$0

Expert Reviews

From the CompareCards.com Editorial Team, updated on Apr 16, 2024

Secured credit cards are often meant to do just one thing: help you build your credit. As any financial advisor (or credit card writer!) will tell you, a strong credit history and high credit score can be invaluable assets – this is why a secured credit card can be an incredibly effective tool for those with little to no credit history. The downside is that most secured cards don’t offer anything beyond their credit-building potential, which is why the new Capital One Quicksilver Secured Cash Rewards Credit Card caught our eye.

Why is this card so interesting? It all comes down to rewards. Yes, you read that right, this secured card not only comes with a rewards program, but a solid one at that: Capital One Quicksilver Secured Cash Rewards Credit Card cardholders earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). That’s the same rate as Capital One’s flagship Quicksilver card, with the same limitless earning potential and same lack of rotating categories. This is bar-none the best rewards offer on the market for a card of this type, which immediately rockets it to the top of the heap if you’re considering a secured card.

Beyond just having a stellar cash back program, the Capital One Quicksilver Secured Cash Rewards Credit Card also comes stock with all the standard features we’d expect from a secured card. The $200 security deposit translates into a $200 initial credit line, and that deposit will completely refunded as statement credit so long as you maintain responsible credit habits (like maintaining regular monthly payments). Beyond that, you’ll be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed.

All this adds up to a secured card that punches way above its weight in its category. And with a $0 annual fee and fraud liability protection, you can be sure that you’re getting peace of mind in addition to top-tier rewards. If you’re on the hunt for a secured credit card, this is not one to pass up.

Expert Reviews of the Capital One Quicksilver Secured Cash Rewards Credit Card

  • 4.0

    Regular APR

  • 0.0

    Intro APR

  • 4.5

    Fees

  • 5.0

    Benefits

  • 4.5/5

    Overall Rating

The Bottom Line

The Capital One Quicksilver Secured Cash Rewards Credit Card takes our top spot in the secured card category because of its top-shelf unlimited rewards program and limited fees. Don’t miss this one if you’re in the market for a secured card.

The Good

The Capital One Quicksilver Secured Cash Rewards Credit Card’s outstanding rewards program marks it out as head-and-shoulders above the competition – and that’s without considering it’s generous security deposit refund program.

The Not so Good

This card comes with all the regular downsides of a secured card, so unless you have low or no credit, a different card may be a better choice.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.

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Rated 4.5/5.0 stars by our editorial team

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