This card is built for someone who wants to build or rebuild credit without giving up simple everyday rewards. It works best as a straightforward cash-back card for regular spending, with a flat 1.5% back on purchases and no annual fee to worry about.
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Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Everyday purchases
No-fee credit rebuilding
Occasional travel bookings
Yes, if your main goal is strengthening your credit profile while still earning steady cash back. The biggest draw is the combination of a secured card format, a $0 annual fee, and a simple 1.5% back on everything, which is better than the bare-bones rewards structure many secured cards offer.
It is a weaker fit if you tend to carry a balance or want rich travel benefits. The APR is high, and the travel extras here are limited to Capital One Travel bookings. For most cardholders, this is a practical stepping-stone card: use it for everyday spending, pay it in full, and let the rewards and credit-building value do the work.
The Capital One Quicksilver Secured is a strong fit for cardholders who need a secured card but still want uncomplicated everyday cash back. Its main limitation is that it is more of a credit-building tool than a long-term perks card.
Earning
The rewards setup is easy to follow: 1.5% cash back on all purchases, plus 5% on select travel booked through Capital One Travel. In practice, this card is mainly about steady everyday earnings, with the travel rate as a nice extra if you use Capital One's booking platform.
Hotels (Capital One Travel), Vacation Rentals (Capital One Travel), Rental Cars (Capital One Travel)
Every Purchase
Benefits
Price drop protection
We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.
Price match guarantee
If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
28.99%
Variable
Transfer APR
28.99%
Variable
Cash Advance APR
28.99%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
$40
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit
Once you spend $30,000 in the first 3 months
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $2,175
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
