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Capital One Quicksilver Secured Cash Rewards Credit Card review 2026

A secured card that pays cash back from the first purchase, with a refundable deposit and a real path to an unsecured card. It costs nothing to hold and reports to all three bureaus.

MGBy the MinimalGuy teamUpdated September 17, 2026

We are not a bank or a card issuer. Every rate and fee below comes from the issuer's own terms page, with the date we checked it.

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The bottom line

This is the only card in the comparison that pays cash back while your deposit is still tied up, and it comes with a defined route to an unsecured card. The $200 minimum deposit is higher than the Platinum Secured's floor, but the 1.5% flat rewards rate offsets that if you use the card for regular spending.Jump to:The detailed review
Go to Website On the issuer's secure site
Capital One Quicksilver Secured Cash Rewards Credit Card
Regular APR28.99% variableCapital One, checked 09/17/2026
Annual Fee$0
Minimum Deposit$200up to $3,000, based on creditworthiness
Rewards Rate1.5% flat, 5% on hotels and cars via Capital One Travel
Credit CheckNone
Good to KnowNo minimum published credit score
How to ApplyOnline, through Capital One
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Pros and cons

What we like

  • Earns 1.5% cash back flat, 5% on hotels and cars through Capital One Travel

  • Upgrades to the unsecured Quicksilver card with responsible use, deposit refunded on upgrade

  • No annual fee

  • Reports to all three bureaus

What to watch

  • $200 minimum deposit, higher than Capital One's own Platinum Secured

  • 28.99% variable APR is steep if you carry a balance

  • No minimum score published, so approval odds are not guaranteed

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The detailed review

Most secured cards ask you to park a deposit and wait. This one pays you back while you wait: every purchase earns 1.5% cash back, with 5% on hotel and rental car bookings made through Capital One Travel.

The deposit starts at $200 and can go up to $3,000 depending on what Capital One sees in your file, becoming your credit line dollar for dollar. With responsible use, Capital One upgrades the account to the unsecured Quicksilver card and refunds the deposit, a defined exit some secured cards do not offer.

If a lower deposit matters more than the rewards, Capital One's own Platinum Secured accepts as little as $49.

» MORE: Need the lowest possible deposit instead?

» MORE: See all 6 cards side by side

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How it compares

Capital One Quicksilver Secured Cash Rewards
Go to Website
Regular APR28.99% variable checked 09/17/2026
Minimum Deposit$200 to $3,000
Annual Fee$0 annual fee
Good to Know1.5% cash back, upgrade path
Capital One Platinum Secured
Go to Website
Regular APR28.99% variable checked 09/17/2026
Minimum Deposit$49 to $200
Annual Fee$0 annual fee
Good to KnowNo rewards, lowest deposit
Current Build Card
Go to Website
Regular APR0%, no interest checked 09/17/2026
Minimum DepositNo minimum
Annual Fee$0 annual fee
Good to KnowApp-only, Current account required

Rates and fees from each issuer's page, checked 09/17/2026.

Compare before you applySee all six secured and no-credit-check cards side by side, with the fine print in one place.
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Common questions

Do I need good credit to apply?
No minimum score is published. Capital One evaluates your file to set the deposit amount, from $200 to $3,000.
How does the cash back work while the card is secured?
The same as any Quicksilver card: 1.5% flat on every purchase, 5% on hotels and cars booked through Capital One Travel, no caps or activation.
When do I get my deposit back?
When Capital One upgrades you to the unsecured Quicksilver card, or when you close the account with a zero balance.
Is the APR high?
28.99% variable, which matters if you carry a balance. Pay in full each month and it does not apply.