It’s a Secured Card — But With Real Cashback Rewards

Most secured credit cards are bare-bones tools that don’t earn any rewards. The Quicksilver Secured breaks that mold.

Earn:

• 1.5% cash back on every purchase, with no limit

• Cashback is automatically redeemed and never expires as long as your account remains open

That means you get paid for the spending you're doing anyway — groceries, gas, streaming services, bills, etc.

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Designed to Help You Build or Rebuild Credit

This card is aimed at those with:

• Poor credit (below 580)

• No credit history

• A recent credit setback or bankruptcy

Capital One reports your activity to all three major credit bureaus (Experian, Equifax, TransUnion) every month. Responsible use — like making on-time payments and keeping balances low — helps build or improve your score over time.

Regular reporting + positive activity = growing credit profile

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Low Security Deposit (That’s Refundable!)

• Minimum refundable security deposit: $200

• Your credit limit starts at $200 (may increase with higher deposit or approval)

• Over time, you may be automatically upgraded to an unsecured Quicksilver card — with your deposit refunded

Capital One reviews your account for credit line increases and upgrades as early as 6 months in.

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No Annual Fee

Many secured cards charge an annual fee — $29, $49, or more — just for the privilege of owning the card. With the Quicksilver Secured, there’s:

• $0 annual fee

• No surprise monthly maintenance charges

• No “processing fees” that eat away your deposit

You keep your full cashback earnings and credit-building benefits without paying to play.

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No Foreign Transaction Fees

Most entry-level cards — especially secured cards — charge a 3% foreign transaction fee on international purchases. The Quicksilver Secured charges 0%.

This makes it a great choice for travelers, international students, or digital nomads building credit in the U.S.

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Great Digital Tools from Capital One

Manage your credit easily with:

• CreditWise®: Free access to your TransUnion credit score and simulator

• Autopay & real-time alerts

• Virtual card numbers for online security

• Card lock if your card is lost or stolen

• Mobile app that’s user-friendly and powerful

Capital One also reviews your account automatically for potential unsecured card upgrades — so you can graduate to a higher-tier card without reapplying.

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Security and Purchase Protections

Even though it’s a secured card, Quicksilver Secured comes with a strong set of protections:

• $0 fraud liability if your card is lost or stolen

• Security alerts and 2FA logins

• Extended warranty and price protection on eligible purchases

• Emergency card replacement and travel assistance services​

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Path to Bigger Financial Opportunities

Starting with a secured card doesn’t mean you’re stuck with one. The Quicksilver Secured helps:

• Build trust with lenders

• Qualify for better rates, loans, and mortgages later

• Graduate to unsecured Capital One cards, like:

  • Quicksilver Cash Rewards

  • SavorOne

  • Venture or Venture X (with strong history)

It’s a first step with forward momentum built in.

Final Verdict:

The Capital One Quicksilver Secured is a rare hybrid card — it combines the credit-building power of a secured card with the cashback earning potential of a rewards card. If you're new to credit, repairing your score, or rebuilding after financial hardship, this card not only helps improve your credit profile but also rewards you every time you use it. It's arguably the best secured credit card available today. It provides everything you need to build credit responsibly, and uniquely offers unlimited cash back — all with no annual fee and a clear upgrade path.

It’s not just a credit builder — it’s a real rewards card with long-term potential.