Capital One
Capital One Quicksilver Secured
4.4
Capital One Quicksilver Secured offers 1.5% cash back on all purchases with a cash security deposit ($200-$2,500). It's a solid alternative for those rebuilding credit who prefer simplicity over rotating categories.
The Bottom Line
Quicksilver Secured mirrors Discover it Secured but with a flatter approach: 1.5% cash back everywhere instead of rotating bonuses. For those preferring simplicity and flat-rate earning, Quicksilver is excellent. However, Discover's cash back match in year one makes it superior overall.
At a Glance
| Annual Fee | None |
| Security Deposit | $200-$2,500 |
| Cash Back Rate | Unlimited 1.5% on all purchases |
| Card Network | Mastercard |
| Network | Mastercard |
| Rewards Rate |
Ready to get started with Capital One Quicksilver Secured?
Capital One Quicksilver Secured offers 1.5% cash back on all purchases with a cash security deposit ($200-$2,500). It's a solid alternative for those rebuilding credit who prefer simplicity over rotating categories.
Get Capital OnePros & Cons
Pros
- 1.5% cash back on all purchases (flat-rate, no categories)
- Simple structure (no activation required)
- Security deposit becomes credit line
- No annual fee
- Path to unsecured Quicksilver after good payment history
Cons
- No cash back matching (unlike Discover)
- 1.5% is lower than Discover's matching potential
- Takes longer to upgrade to unsecured (typically 12+ months)
- Mastercard has better acceptance than Discover
Frequently Asked Questions
Is 1.5% cash back good for a secured card?
Excellent for a secured card—most offer 0-1%. The 1.5% flat rate means every purchase earns rewards without tracking bonus categories. Over a year, it adds meaningful value for those rebuilding credit.
How does upgrade to unsecured work?
After 12-18 months of on-time payments and responsible use, Capital One reviews accounts for upgrade to the unsecured Quicksilver card. At upgrade, your security deposit is returned, and your credit limit becomes fully unsecured.