Capital One Quicksilver Secured
Flat 1.5% everywhere while you build credit.
Welcome Bonus
None
No welcome bonus, secured deposit required
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
None
required (building credit)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1.5xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦$200 refundable deposit for a $200 starting line
- ✦Automatic credit line reviews in as little as 6 months
- ✦Graduation path to the unsecured Quicksilver
- ✦Reports to all three credit bureaus
Why it earns its spot
- +1.5% flat matches many unsecured cards
- +No annual fee and no FTF
- +Same graduation machinery as the Platinum Secured
Where it costs you
- −Fixed $200 deposit, no $49 tier
- −Discover it Secured out-earns it on gas and dining in year one
The Compound Verdict
A secured card that earns like a normal flat-rate card. If your spending is spread evenly rather than concentrated in gas and dining, this beats the Discover on earn. Either way you build credit at full speed.
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