The Capital One Quicksilver Secured Rewards is a solid option for those looking to build credit and earn 1.5% cashback on all purchases without paying an annual or foreign transaction fee. While it doesn't offer intro bonuses, its rewards structure and credit-building features, like regular reporting to credit bureaus, make it suitable for first-time or limited-credit cardholders.
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The app usability is well-rated, making it easy to manage and track spending. This card is best for those seeking cost-effective credit-building options but may not satisfy those looking for significant signup bonuses or extensive travel perks.
By Harlon Drosghic Apr 2026
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Capital One Quicksilver Secured Rewards
Capital One • Mastercard
- Annual Fee
- Free
- Cashback
- 1.5%
- Points Program
- Cashback
- Minimum Income
- —
Score by category
Rewards
★★★★★ 3.7/5
Score by category
Rewards
Cashback ★★★★★ 3.3/5
- Base Cashback Rate 3.5
- Caps & Limits 4.0
- Redemption Ease 4.0
- Bonus Categories 1.0
- Redemption Flexibility 4.0
Credit Building ★★★★★ 3.9/5
- Upgrade Path 3.5
- Credit Bureau Reporting 5.0
- Educational Tools 3.0
- Credit Limit Growth 3.5
- Approval Accessibility 4.0
Lower Fees ★★★★★ 4.3/5
- Annual Fee Value 5.0
- Cost Transparency 4.0
- Fee Waiver Potential 4.0
- Penalty Friendliness 3.0
- Foreign Transaction Fee 5.0
Purchase Perks ★★★★★ 2.6/5
- Extended Warranty 3.5
- Installment Perks 1.0
- Merchant Discounts 2.0
- Everyday Usefulness 3.0
- Purchase Protection 3.5
Travel Perks ★★★★★ 2.7/5
- Airport Lounge Access 1.0
- Travel Insurance 3.5
- Travel Redemption 2.5
- No Foreign Tx Fees 5.0
- Hotel & Airline Perks 2.0
Score by category
User Experience
★★★★★ 3.8/5
Score by category
User Experience
App / Experience ★★★★★ 4.0/5
- Ease of Navigation 4.0
- Self-Service 4.0
- Billing Clarity 4.0
- Feature Quality 4.0
- App Speed & Stability 4.0
Support Quality ★★★★★ 3.2/5
- Response Time 3.0
- Channel Availability 3.5
- Agent Professionalism 3.0
- First-Contact Resolution 3.0
- Resolution Effectiveness 3.5
Transparency ★★★★★ 3.9/5
- Terms Simplicity 3.5
- Billing Transparency 4.0
- Fee & Interest Clarity 4.0
- Charge Predictability 4.0
- Communication Clarity 4.0
Security & Control ★★★★★ 3.8/5
- Card Control Features 4.0
- Fraud Protection 4.0
- Virtual Card Experience 3.5
- Incident Resolution 3.5
- Real-Time Monitoring 3.5
Benefits Usability ★★★★★ 3.9/5
- Ease of Earning 4.0
- Ease of Tracking 4.0
- Real-World Value 4.0
- Rules Simplicity 3.5
- Ease of Redeeming 4.0
Pros & Cons Capital One Quicksilver Secured Rewards
Pros
- ✓No annual fee
- ✓1.5% cashback on all purchases
- ✓No foreign transaction fees
- ✓Good for building credit
- ✓Potential to upgrade to unsecured
Cons
- ✗No intro offer
- ✗Limited purchase perks
- ✗Limited travel perks
- ✗Mediocre balance transfer terms
Expert Analysis
AI Analysis
Citocred AI
The Capital One Quicksilver Secured Rewards is a solid option for those looking to build credit and earn 1.5% cashback on all purchases without paying an annual or foreign transaction fee.
Full analysis
While it doesn't offer intro bonuses, its rewards structure and credit-building features, like regular reporting to credit bureaus, make it suitable for first-time or limited-credit cardholders. The app usability is well-rated, making it easy to manage and track spending. This card is best for those seeking cost-effective credit-building options but may not satisfy those looking for significant signup bonuses or extensive travel perks.
Best for
Cost-effective credit building, daily use without foreign fees
Avoid if
Seeking large signup bonuses or extensive travel perks
AI-generated analysis · Methodology by Harlon Drosghic
Cost-effective credit building, daily use without foreign fees
Seeking large signup bonuses or extensive travel perks
Frequently Asked Questions
Capital One Quicksilver Secured Rewards
What cashback rate does the Capital One Quicksilver Secured Rewards offer?
Does the Capital One Quicksilver Secured Rewards have a rewards program?
Does the Capital One Quicksilver Secured Rewards include airport lounge access?
Does the Capital One Quicksilver Secured Rewards include travel insurance?
What credit score is needed for the Capital One Quicksilver Secured Rewards?
Who should get the Capital One Quicksilver Secured Rewards?
Is the Capital One Quicksilver Secured Rewards worth it?
The Capital One Quicksilver Secured Rewards provides a set of benefits designed to add genuine value to your financial routine:
Cashback
1.5%
Points Program
Cashback
Travel Insurance
Purchase Protection
Extended Warranty
Concierge
Contactless Payment
Virtual Card
International Acceptance
See 4 benefits not included in this card
- Miles Program See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Apple Pay See which cards include this benefit →
- Google Pay See which cards include this benefit →
Features — Detalhes
Fees
Rewards
Premium
Digital
Additional Benefits
- • No foreign transaction fees
- • Complimentary concierge service
- • 24-hour travel assistance services
- • Travel accident insurance
- • Hertz Five Star Status
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
We maintain full editorial independence — no issuer pays for ranking position. 'Apply' links may include affiliate referrals that support our free content. This never influences our editorial scores or assessments.
Read our full methodology →
Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.