Capital One Quicksilver Secured Cash Rewards Review (2026)
What is the Capital One Quicksilver Secured Cash Rewards?
A flat-rate cash-back card on a secured chassis. You get 1.5% on every purchase and a credit-line review at six months — useful if you want straightforward rewards while you rebuild and don't want to track quarterly categories.
Written by FairScoreGuide Editorial — Editorial Desk · Last updated
Issuer: Capital One · credit cards · Editorial score: 9.2/10
Overview
A flat-rate cash-back card on a secured chassis. You get 1.5% on every purchase and a credit-line review at six months — useful if you want straightforward rewards while you rebuild and don't want to track quarterly categories.
At a glance
- Editor rating
- 9.2/10Editor’s rating 9.2 out of 10
- Annual fee
- $0
- APR range
- ~29.74% variable
- Typical credit
- No score minimum — secured underwriting
Best for
- Rebuilders who want simple flat-rate rewards while their score recovers
- People who travel and don't want foreign transaction fees on a secured card
Features
- Unlimited 1.5% cash back on every purchase, every day
- 5% cash back on hotels and rental cars booked through Capital One Travel
- Credit-line review around month 6 with possible upgrade to unsecured Quicksilver
- Reports to all three major credit bureaus
- Free CreditWise score monitoring built into the Capital One app
Fees
| Annual fee | $0 |
|---|---|
| Minimum security deposit | $200 (deposit funds your line) |
| Foreign transaction fee | None |
| Late payment fee | Up to $40 |
Pros
- Flat 1.5% cash back without rotating categories
- No foreign transaction fees — rare on a secured card
- Six-month review timeline is one of the fastest in the secured tier
- Strong mobile app with real-time alerts and CreditWise
Cons
- Standard $200 deposit needed up front
- Variable APR is high — carry a balance and the rewards disappear quickly
Alternatives
Offer availability and terms can change. Confirm current APR, fees, and eligibility requirements on the issuer page before submitting an application.
Common questions
Is this review independent?
Yes. Ratings reflect editorial criteria described in our review methodology. We may earn a commission when you apply through partner links.
Will applying affect my credit?
Credit card applications typically involve a hard inquiry. Check for prequalification options on the issuer site when available.
How often is this page updated?
We refresh key facts when issuer disclosures change. See the published date signals on this page and our data sourcing notes for methodology.