Full Review: Capital One Quicksilver Secured Cash Rewards Credit Card

When I first looked into the Capital One Quicksilver Secured Cash Rewards Credit Card, I was looking for a way to build my credit without giving up the perks I enjoy from rewards cards.
Most secured cards focus solely on credit building and skip rewards altogether — but this one stood out because it offered both.

From day one, you’ll earn 1.5% unlimited cash back on every purchase.
Whether it’s daily expenses like groceries, streaming subscriptions, or gas, or bigger purchases like travel and electronics, your rewards accumulate automatically.
There’s no rotating categories to track and no spending limits to hit before you start earning.

As a secured card, it requires a refundable security deposit to open your account.
The minimum deposit determines your initial credit limit, but with responsible use, you could qualify for a credit line increase without an additional deposit.
Even better, your account activity is reported to all three major credit bureaus, so every on-time payment helps you build a stronger credit profile.

One of the big selling points for me is the no annual fee policy — many secured cards charge extra just for the privilege of having them.
Plus, the no foreign transaction fees make it a solid choice for travel or online purchases from international merchants.

Capital One also includes fraud protection, zero liability coverage, and free access to your credit score tracking through the Capital One mobile app.
Managing your card is quick and easy with mobile and online tools, so you can monitor spending, make payments, and track your rewards in real time.

After using the Quicksilver Secured for several months, I’ve found it to be a rare combination: a powerful tool for credit growth that also delivers everyday rewards.
For anyone serious about rebuilding or starting their credit history without giving up perks, it’s a clear winner.