Capital One Quicksilver Secured
The best secured card for building credit — most secured cards pay zero rewards. This one pays 1.5%.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $0
- Purchase APR: 29.99%
FairPrice score: 78/100
Rewards
1.5% flat cashback + secured (rare combo)
Perks
- No annual fee
- Rewards on a secured card
- No foreign transaction fees
- Automatic credit review for graduation
Pros
- One of few secured cards that earns rewards
- No annual fee
- Graduates to unsecured
Cons
- High 29.99% APR
- $200 minimum deposit required
Best for
- building credit
- rebuilding credit
- secured card
Official source · Last verified 2026-10-04