Capital One Quicksilver Secured
Capital One · Building Credit review
Credit-builders who want a secured card that reports to all three bureaus AND earns 1
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
28.99% variable
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of July 15, 2026
Best for
Credit-builders who want a secured card that reports to all three bureaus AND earns 1.5% cashback — the only mainstream secured card that does both at $0 AF. Graduates to unsecured with on-time payments.
Not for
Anyone who already has a 670+ FICO (an unsecured card will give you better rewards) and anyone who can’t deposit the $200 minimum security deposit (look at Capital One Platinum Secured or Petal 2 instead).
The catch
The 1.5% cashback feels nice, but the real value is the graduation path — Capital One reviews accounts at ~6 months and refunds the deposit when you upgrade. Treat it as a 6-12 month bridge card, not a forever card.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- 28.99% variable
- Foreign transaction fee
- None
- Balance transfer fee
- 3%
- Late payment fee
- Up to $40
- Schumer Box sourced
- July 15, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Capital One Quicksilver Secured's offer changes.
We track Capital One Quicksilver Secured's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Capital One Quicksilver Secured charge an annual fee?
No. The Capital One Quicksilver Secured carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 15, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Capital One Quicksilver Secured charge?
28.99% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Capital One Quicksilver Secured charge foreign transaction fees?
No. The Capital One Quicksilver Secured has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Capital One Quicksilver Secured best for?
Credit-builders who want a secured card that reports to all three bureaus AND earns 1.5% cashback — the only mainstream secured card that does both at $0 AF. Graduates to unsecured with on-time payments.
Who should skip the Capital One Quicksilver Secured?
Anyone who already has a 670+ FICO (an unsecured card will give you better rewards) and anyone who can’t deposit the $200 minimum security deposit (look at Capital One Platinum Secured or Petal 2 instead).
How did ClearValue score the Capital One Quicksilver Secured?
Capital One Quicksilver Secured scored 89/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Capital One Quicksilver Secured
Other secured cards we've scored, ranked by our methodology.
- DiscoverCanon
Discover it Secured
90/100Annual fee$0Ongoing APR26.49%Intro APR10.99% · 6 moBest forCredit-builders who want a $0 AF secured card that reports to all three bureaus, earns rotating-category cashback, AND g
Fees sourced from issuer terms · 2026-08-15
- Capital OneWorth considering
Capital One Platinum Secured
77/100Annual fee$0Ongoing APR28.99%Foreign txn feeNoneBest forPeople rebuilding credit who want to minimize the cash tied up in a deposit — qualifying applicants can open a $200 cred
Fees sourced from issuer terms · 2026-07-21
- CitiWorth considering
Citi Secured Mastercard
73/100Annual fee$0Ongoing APR26.74%Best forThin-file or rebuilding applicants who want to build credit over an 18-month runway with a major-bank issuer, at a $0 an
Fees sourced from issuer terms · 2026-07-18
