capital-one

Capital One Quicksilver Secured Cash Rewards Credit Card

Credit needed

Limited and Bad

APR

26.99% (Variable)

Annual Fee

Card Summary

The Capital One Quicksilver Cash Rewards Credit card can be used to help build your credit and make responsible credit decisions.

As you get 1.5% cashback on every card purchased, and earn experience in credit, it will help you to build your credit skills.

Capital One Quicksilver Cash Rewards Credit Card is available to anyone with poor credit. There is no annual fee or foreign transaction fee, but the card charges a high annual percentage rate at 26.99%.

Review of Capital One Quicksilver Cash Rewards Credit Card:

You can earn cash back while building or rebuilding your credit. However, the variable APR (26.99%) means that you should not carry a balance.

The pros:

You can earn a steady cash rate: Earn 1.5% on all purchases, without having to track spending or limit earnings.

A small security deposit of $200 is required to establish a $200 credit limit.

Credit repair or building: After six months of credit card usage, applicants may be eligible for credit limit increases.

No annual fees: The Capital One Quicksilver Cash Rewards Credit Card does not have an annual fee. There are no foreign transaction fees.

You won't have to pay for any unauthorized charges.

Card Summary - Cons

This card has a high variable APR (26.99%).

To open a credit account, you will need to make a deposit. This deposit must be refundable and at least $200.

Your credit limit will be equal to the amount of your deposit, until you have been reviewed and approved for credit.

Chances of additional rewards are not available: There is no rotating bonus category that will stop you from earning extra cashback for gasoline, groceries, travel, and other purchases.

Rates and fees

Issuer Name

Capital One

Penalty APR

None

Credit Needed

Limited and Bad

Balance Transfer Fee

This Transfer APR is $0

Annual Fee

Cash Advance Fee

The cash advance amount must not exceed $10, and 3% of it should be.

APR

26.99% (Variable)

Foreign Transaction Fee

None

Highlights

There are no hidden or annual fees and unlimited 1.5% cash back. Check out the instant approval process to see if your application is approved.

How to build your credit score?

This card could be a good way to build your credit. To get $200 in your first credit line, you will need to make a $200 security deposit.

If you are responsible with your credit card, such as making timely payments, your security deposit could be refunded to you in the form of a statement credit. You will automatically be considered for a higher credit limit in 6 months, with no deposit required. You can rest assured that $0 fraud liability will not hold you responsible for any unauthorised charges.

CreditWise by Capital One allows you to monitor your credit. You can check your credit for free. Unlimited 1.5% cash back on every purchase, anywhere.

There are no rotating categories, or limitations on how much cash you can make.

Comparative Analysis with Other Cards

Capital One Quicksilver Secured Cash Rewards Credit Card vs. Capital One Quicksilver Cash Rewards Credit Card:

Annual Fee: There is no annual fee for the card.

Capital One Quicksilver cash rewards credit card does not require a minimum security deposit. The Capital One Quicksilver Secured cash Rewards Credit Card, on the other hand requires you to make a $200 non-refundable deposit in order to open a $200 credit line.

Reward: Each purchase earns you unlimited 1.5% cashback.

Sign up bonus: After you have charged $500 within the first 3 months, Capital One Quicksilver Cash Reward Credit Card will give $200 cash as a sign-up bonus.

Capital One Quicksilver Secured Rewards Cash Rewards Credit card does not offer a sign-up bonus.

Benefits: Capital One Quicksilver cash rewards credit card offers a 15 month 0% introductory interest rate on purchases. There are no annual fees or foreign transaction fees.

Additional benefits include an extended warranty, car rental insurance, and 24/7 travel assistance, which can be used to replace your stolen or lost card. The Capital One Quicksilver Secured cash Rewards Credit Card does not offer a 0% initial APR, but it provides savings and has no foreign transaction fees. You won't have to pay for any unauthorized charges because both cards come with $0 fraud liability.

Capital One Quicksilver Secured Rewards Credit Card vs. BankAmericard Securized Credit Card:

Annual Fee: There is no annual fee for the card.

BankAmericard Secured Credit Card Minimum Security Deposit: A refundable $300 deposit is required. Capital One Quicksilver Secured cash Rewards Credit Card requires a $200 refundable deposit in order to open a $200 credit line.

Reward Programs: The BankAmericard Secured Credit Card does not offer a rewards program. The Capital One Quicksilver Cash Rewards Credit Card offers unlimited 1.5% cashback on all purchases.

Sign up bonus: No card provides a sign-up incentive.

Benefits: If you connect your BankAmericard Secured Credit Card to a Bank of America eligible checking account, the card will provide free access to your FICO credit score and zero fraud liability. Overdraft protection is also available.

Capital One Quicksilver Cash Rewards Credit Card has no foreign transaction fees. It also offers zero fraud liability and free credit monitoring. Each card does not have an annual fee.

Conclusion

Do you need the Capital One Secured Cash Rewards Credit card?

If you are:

You can earn cash back rewards as you rebuild or build credit.

To open an account, you may prefer to pay a security deposit that is small and refundable.

You would like to have free access to your credit score and build your credit.

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

2026 Bright Capital Inc.

Secured revolving lines of credit (“Bright Builder”) are made by Bright Capital Inc., NMLS (2410428) only, subject to state residency. Bright currently does not offer Unsecured Lines of Credit (“Bright Credit”) to new customers. Personal loan offers are available through Bright Money’s Network Partners, subject to credit approval and applicable state restrictions. Loan amounts and terms vary. Deposit accounts are provided by Evolve Bank & Trust and Continental Bank, Members FDIC. FDIC insurance will only cover the failure of Evolve Bank & Trust and Continental Bank, Members FDIC. Learn more here. Bright is a financial technology company, not a bank.

When you join Bright and if you choose to start a Premium Membership you will be charged a recurring fee of $14 per month, $39 for a three-month term, $68 for a six-month term or $97 for an annual term. Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership Terms and Conditions. Bright Premium Membership is not required for Bright Builder or Personal Loan offers.

Each individual’s credit situation is unique and influenced by a variety of factors. The way these factors interact and impact a person’s credit score may vary. Bright Capital, Inc. strives to provide accurate and up-to-date information. However, we cannot guarantee the completeness and correctness of the content provided. This page is intended for informational purposes only and does not constitute financial or legal advice, nor does it imply an endorsement of any third-party products or services. All products and services are presented without warranty. Bright Capital, Inc. does not offer financial, legal, or tax advice. We strongly recommend consulting with your own financial, legal, or tax advisors for guidance specific to your situation.

Capital One Quicksilver Secured Cash Rewards Credit Card

Card Summary

Card Summary - Cons

Rates and fees

Highlights

Comparative Analysis with Other Cards

Capital One Quicksilver Secured Cash Rewards Credit Card vs. Capital One Quicksilver Cash Rewards Credit Card:

Capital One Quicksilver Secured Rewards Credit Card vs. BankAmericard Securized Credit Card:

Conclusion

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Bright Builder

Bright Plan

Smart Round-Ups

Rent Reporting

Personal Loans

Cash Advance

Learn

Calculators

Credit Cards

Careers

FAQs

Capital One Quicksilver Secured Cash Rewards Credit Card

Card Summary

Card Summary - Cons

Rates and fees

Highlights

Comparative Analysis with Other Cards

Capital One Quicksilver Secured Cash Rewards Credit Card vs. Capital One Quicksilver Cash Rewards Credit Card:

Capital One Quicksilver Secured Rewards Credit Card vs. BankAmericard Securized Credit Card:

Conclusion

Products

Legal

Resources

ADDRESS

E-MAIL

OPERATIONAL HOURS [Mon-Fri] - 9:30 AM TO 6:30 PM (CST)

Products

Legal

Resources