Capital One
Capital One Quicksilver Secured Review 2026
1.5% unlimited cash back on every purchase — the Quicksilver rewards program in secured card form.
Quick answer
Capital One Quicksilver Secured is a rewards-earning secured credit card that pays unlimited 1.5% cash back with no annual fee — a rarity among secured cards, which typically earn no rewards. A refundable security deposit sets your credit line, and responsible use can lead to an automatic upgrade to an unsecured card.
Who Capital One Quicksilver Secured is best for
Credit builders who want flat-rate unlimited cash back without tracking bonus categories.
At a glance
- Deposit minimum
- $200
- APR
- 28.99%
- Annual fee
- $0
- Graduation timeline
- 6+ months
Refundable security deposit
Variable, per Capital One's published terms (verified Aug 2026); carry no balance
No annual fee
Automatic review after 6 months
Pros
- +1.5% unlimited cash back on every purchase — no category tracking required
- +Automatic credit line review after 6 months
- +No annual fee; $200 minimum deposit
- +Graduates to unsecured Quicksilver card, preserving account history
Cons
- −~29.99% APR — same as Platinum Secured; only works with full monthly payoff
- −$200 minimum deposit (higher than Capital One Platinum Secured's $49 minimum)
- −No 5x/2x category multipliers — flat 1.5% beats only the no-rewards cards
Capital One Quicksilver Secured requirements
- US residents 18+
- Requires at least fair/building credit (soft pre-qualification available)
Capital One Quicksilver Secured alternatives
Top alternatives worth comparing from Best Secured Credit Cards for Credit Building 2026.
Discover
Discover it® Secured
Not currently open to new applicants. Existing cardholders are unaffected. See OpenSky or the Capital One secured cards below for a card you can open today.
Capital One
Capital One Platinum Secured
Applicants who need to minimize upfront cash tied up in a deposit while building credit.
Chime (issued by The Bancorp Bank, N.A. or Stride Bank, N.A.)
Chime Card (formerly Credit Builder)
Applicants who have zero cash available for a deposit but have a Chime spending account.
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Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Capital One Quicksilver Secured scores 4.1 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Credit builders who want flat-rate unlimited cash back without tracking bonus categories.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Capital One Quicksilver Secured
How is the Quicksilver Secured different from the Capital One Platinum Secured?+
Both are Capital One secured cards, but they serve different goals. The Quicksilver Secured earns 1.5% unlimited cash back on every purchase with a $200 minimum deposit and no annual fee — it's the rewards version. The Platinum Secured earns no rewards but allows a lower minimum deposit ($49, $99, or $200 depending on creditworthiness). If you'll pay the balance in full each month and want to earn while building credit, Quicksilver Secured is the better pick. If minimizing the upfront deposit is the priority, Platinum Secured keeps more cash available.
Does Capital One automatically upgrade the Quicksilver Secured to an unsecured card?+
Capital One automatically reviews the account after 6 months of responsible use. If you qualify based on your payment history and account management, they may upgrade you to an unsecured Quicksilver card and return your security deposit. The upgrade is not guaranteed — it depends on your account behavior (on-time payments, avoiding overspending) and Capital One's criteria at the time of review. Your account history is preserved, which benefits your average age of accounts on your credit report.
Is the $200 security deposit refundable?+
Yes. The $200 minimum security deposit is fully refundable. Capital One returns it when you graduate to an unsecured card or when you close the account in good standing. The deposit does not earn interest while held — it functions as collateral, not as a savings account. Verify the current deposit and refund terms at capitalone.com.
Is ClearValue Lending affiliated with Capital One?+
No. ClearValue Lending is a small business funding platform — not a bank, card issuer, or financial advisor. The Capital One Quicksilver Secured Credit Card is issued by Capital One, N.A. All card terms, approval decisions, and deposit requirements are determined solely by Capital One. Verify current terms at capitalone.com.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.
https://clearvaluelending.com/reviews/capital-one-quicksilver-secured