1.5% unlimited cash back on every purchase — the Quicksilver rewards program in secured card form.
Get started at Capital One → Pre-qualify (where available) with a soft credit pull — no score impact.
Building credit — Built for establishing or rebuilding credit — no minimum score
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Credit builders who want flat-rate unlimited cash back without tracking bonus categories.
Capital One Quicksilver Secured — 1.5% unlimited cash back on every purchase — the Quicksilver rewards program in secured card form. Best for: Credit builders who want flat-rate unlimited cash back without tracking bonus categories.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
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.
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.
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.
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.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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