Capital One Quicksilver Secured Cash Rewards Credit Card Review

Earn rewards and build credit with $0 annual fee using Capital One Quicksilver Secured.

Capital One Quicksilver Secured Cash Rewards Credit Card Review


  • No Annual Fee: Enjoy the benefits of a credit card without the burden of an annual fee.
  • Cash Back Rewards: Earn unlimited 1.5% cash back on all purchases, with no categories to track or limits on how much you can earn. Additionally, earn 5% cash back on hotels and rental cars booked through Capital One Travel.
  • Credit Building: This card is ideal for individuals with limited or bad credit history. It reports to all three major credit bureaus, improving credit scores.
  • Additional Benefits: Up to 6 months complimentary Uber One membership, $0 Fraud Liability, automatic consideration for a higher credit line in as little as 6 months, and access to CreditWise from Capital One to monitor your credit score.


  • Cost Savings: With no annual or hidden fees, you save money while building credit.
  • Flexibility: The rewards program offers significant cash back on everyday purchases and travel without the hassle of rotating categories.
  • Credit Improvement: By responsibly using this card, you can enhance your credit score, potentially leading to more financial opportunities.
  • Security: Peace of mind with $0 Fraud Liability and possibly getting your security deposit back as a statement credit through responsible use.

Product Summary

The Capital One Quicksilver Secured Cash Rewards Credit Card is a robust option for those looking to build or rebuild their credit while enjoying rewards. With no annual fee, a reasonable security deposit, and a generous cash-back program, it provides a straightforward path to credit improvement and savings. Its acceptance of applicants with bad or limited credit history makes it accessible, and the additional perks further sweeten the deal. For anyone in the credit-building phase seeking value and security, the Capital One Quicksilver Secured is a commendable choice.

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