Credit Cards
Earn 1.5% cash back on every purchase with a refundable $200 minimum deposit.
Find out if you're pre-approved with no risk to your credit score.
See If I'm Pre-ApprovedApply Now
Credit Level: FAIR
Find out if you're pre-approved with no risk to your credit score.
See If I'm Pre-ApprovedApply Now
Unlimited Rewards
Earn unlimited 1.5% cash back on every purchase, every day
Annual Fee
$0
Security Deposit
$200 refundable minimum deposit.
Purchase Rate
29.99% variable APR
Tools to help you along your credit building journey
Refundable Deposits & Upgrades
With responsible card use, you could earn your deposit back and upgrade to an unsecured Quicksilver card. 1
No Hidden Fees
No foreign transaction fees. No replacement card fees. No authorized user fees. Just the card you need with no unwanted surprises.
Automatic Credit Line Reviews
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit.
$0 Fraud Liability
You won’t be responsible for unauthorized charges if your card is lost or stolen.
How does the security deposit work?
1
Make Your Deposit, Open Your Account
Simply make a $200 minimum deposit and your account will open with an initial credit line of $200.
2
Deposit More, Raise Your Credit Line
You can raise your initial credit line by depositing more than the minimum (up to a maximum limit) before activating your card. 2
3
Use Your Card Responsibly, Get Your Deposit Back
With responsible card use, like making payments on time, you could earn back your deposit and upgrade to an unsecured Quicksilver card. 1
Already been approved, but need to fund your card?
Make A Deposit
Redeem your cash back for any amount, anytime.
Redeem for Cash
Get a check or apply rewards as a statement credit. 3
Cover Your Purchases
Apply your cash back to directly cover a recent purchase.
Get Gift Cards
Spend your rewards on gift cards from places you love. 4
When you’re ready to cash in,sign in to your accountor useCapital One’s mobile banking app.
Explore Capital One credit card benefits 5
Account Alerts
Set up personalized email or text reminders to help you stay on top of your account.
Autopay
Set up Autopay for your account and your payments will be made automatically every month.Learn more about setting up Autopay.
See Monthly Recurring Transactions
24/7 access to a list of merchants that charge your Capital One card monthly, like subscriptions and bills on your account atwww.capitalone.com
Authorized User
Add an authorized user to your account, and track spending by user.
Balance Transfer
Transfer your higher-rate balances onto a Capital One card.Learn more about balance transfers.
24/7 Customer Service
Helpful customer service representatives are available to assist you 24 hours a day.Contact Capital One Customer Service here.
Balance transfer requests are subject to approval.
Security Alerts
Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account.
$0 Fraud Liability
If your card is lost or stolen, you will not be responsible for unauthorized charges.
Virtual Card Numbers from Eno
Pay for online purchases with virtual card numbers and keep your actual card number to yourself.Learn more about virtual card numbers.
Card Lock
Lock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen.
Account Alerts from Eno
Receive an alert if Capital One detects a potential mistake or unexpected charge like a potential duplicate purchase or a sudden recurring bill increase.Learn more about account alerts.
CreditWise
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
$0 fraud liability claims are subject to investigation and verification.
With Card Lock, some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions.
CreditWise availability will vary depending on ability to obtain your credit history from TransUnion® and is free for everyone whether or not you have a Capital One credit card.
Capital One Mobile App
Manage your account anywhere, anytime. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise.Download the Capital One Mobile app here.
Eno®, your Capital One assistant
Wherever you are, Eno keeps an eye on your accounts 24/7, sends alerts when something’s up, and is always ready to answer questions—so you can keep moving.Learn more about Eno.
CreditWise from Capital One
Monitor your credit with CreditWise. It’s free for everyone—whether or not you have a Capital One credit card—and it won’t hurt your score.
CreditWise availability will vary depending on ability to obtain your credit history from TransUnion®.
No Foreign Transaction Fees
You won’t pay a transaction fee when making a purchase outside of the United States.
Capital One Travel
Get our best prices on thousands of trip options—even after you book. Plus, pay flexibly with your rewards, a card or both.Explore Capital One Travel.
Emergency Card Replacement
If your credit card is lost or stolen, you can get an emergency replacement card.
ATM Location Services
Receive help finding the nearest ATM when traveling.
See All Card Benefits
Frequently asked questions
What is a secured credit card?
It’s a credit card that offers you an opportunity to build or rebuild your credit with responsible use. A secured credit card also requires a refundable security deposit, which is held as collateral for the account. No interest is applied to the security deposit.
How does the Capital One Quicksilver Secured Rewards Credit Card work?
Once you’re approved, all it takes to get started is a minimum required security deposit, which you can pay all at once or over time. You can make your security deposit online or over the phone. When you’ve made your minimum required security deposit, your account will be opened. There are two ways your security deposit can be refunded. First, you can earn back your deposit as a statement credit by using your card responsibly or second, we will refund it when you close your account and pay your balance in full. Your card status will be regularly reported to the three major credit bureaus.
How is the Capital One Quicksilver Secured Rewards Credit Card different from a prepaid card?
Unlike a prepaid card, a secured card is an actual credit card that reports to the three major credit bureaus—providing the opportunity to build your credit, with responsible use. Prepaid cards are more like debit cards and cannot help you build your credit because they do not report to the major credit bureaus.
Will my Capital One Quicksilver Secured Rewards Credit Card have the word “secured” on it?
No. Your Capital One Quicksilver Secured Rewards Credit Card will not have the word “secured” on it. It will look just like other Capital One credit cards.
Customer Reviews
- 5 Star 66%
- 4 Star 17%
- 3 Star 8%
- 2 Star 4%
- 1 Star 5%
4.3
based on 709 reviews
86 %
of reviewers recommend Quicksilver Secured Rewards
4.3
based on 709 reviews
86 %
of reviewers recommend Quicksilver Secured Rewards
- 5 Star 66%
- 4 Star 17%
- 3 Star 8%
- 2 Star 4%
- 1 Star 5%
Reviews managed by Bazaarvoice — Learn more about the Bazaarvoice Authenticity Policy
Not a credit builder card
Coffee Lover - August 29, 2024
I don't think this card helped me build my credit.
Yes, I recommend this product
Beautiful design
ASpeaks - August 28, 2024
My capital one card is a good fit for me because it helps me budget my spending and stay under my limit.
Yes, I recommend this product
Yes, I recommend this product
great card
luluRl - August 28, 2024
My capital one card is very good for me and I recommend it to everyone.
Yes, I recommend this product
Yes, I recommend this product
Awesome card
MM MAF - August 28, 2024
My card is a good fit because helping me rebuild my credit.
Yes, I recommend this product
Yes, I recommend this product
Great card for improving credit
Capital One617 - August 27, 2024
Great card for improving credit. Awesome benefits as well
Yes, I recommend this product
Yes, I recommend this product
Love this card and the rewards
Sedricker - August 27, 2024
I love the rewards. Wish limit increases came more often still good!
Yes, I recommend this product
Yes, I recommend this product
Great features
mlopez021968 - August 27, 2024
Love the card it’s really awesome to have a card like these
Yes, I recommend this product
Yes, I recommend this product
Capital one
Jobee68 - August 27, 2024
It’s an ok card. My problem is most cards give you ad lease a 50 overdraft but this one doesn’t
Yes, I recommend this product
Yes, I recommend this product
Quicksilver Secured Card
Quicksilver Secured Card - August 27, 2024
I like the simple rewards process for the most part.
Yes, I recommend this product
Yes, I recommend this product
Great cash back rewards
OneHandCam - August 27, 2024
I love how straight forward the rewards are. Every time I use my card I hear Samuel L Jackson, “Every purchase every where!” Glad to have Capital one in my wallet!
Yes, I recommend this product
709 matching reviews found
1
Your security deposit will be returned and your account unsecured. All other card terms and features will remain the same.
2
Your maximum credit limit will be assigned upon approval and range from $1,000 to $3,000 based on your creditworthiness.
3
Statement credits lower your account balance, but cannot be used to meet any minimum payment obligations.
4
Redemption rates for these options may vary and are subject to change.
5
Some cardholder benefits are only available to the primary cardholder and not authorized users.
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