Capital One Quicksilver Secured
By Alex Compton · Last verified
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus, secured deposit required | Capital One Quicksilver Secured product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
1.5% cash back, $200 deposit, $0 fee and no FTF confirmed; page states no review timing, benefit reworded.
Fields: benefits
Capital One Quicksilver Secured product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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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
- ✦Pay on time and you could earn your deposit back and upgrade
- ✦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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