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Rated 4.5/5 stars by our editorial team
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Regular Purchase APR
29.99% (Variable)
Intro Purchase APR
N/A
Intro BT APR
N/A
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
Foreign Transaction Fee
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $3
Regular APR
4.0
Intro APR
0.0
Fees
4.5
Benefits
5.0
Overall Rating
4.5 /5
Secured credit cards are often meant to do just one thing: help you build your credit. As any financial advisor (or credit card writer!) will tell you, a strong credit history and high credit score can be invaluable assets – this is why a secured credit card can be an incredibly effective tool for those with little to no credit history. The downside is that most secured cards don’t offer anything beyond their credit-building potential, which is why the new Capital One Quicksilver Secured Cash Rewards Credit Card caught our eye.
Why is this card so interesting? It all comes down to rewards. Yes, you read that right, this secured card not only comes with a rewards program, but a solid one at that: Capital One Quicksilver Secured Cash Rewards Credit Card cardholders earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). That’s the same rate as Capital One’s flagship Quicksilver card, with the same limitless earning potential and same lack of rotating categories. This is bar-none the best rewards offer on the market for a card of this type, which immediately rockets it to the top of the heap if you’re considering a secured card.
Beyond just having a stellar cash back program, the Capital One Quicksilver Secured Cash Rewards Credit Card also comes stock with all the standard features we’d expect from a secured card. The $200 security deposit translates into a $200 initial credit line, and that deposit will completely refunded as statement credit so long as you maintain responsible credit habits (like maintaining regular monthly payments). Beyond that, you’ll be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed.
All this adds up to a secured card that punches way above its weight in its category. And with no annual fee and fraud liability protection, you can be sure that you’re getting peace of mind in addition to top-tier rewards. If you’re on the hunt for a secured credit card, this is not one to pass up.
The Capital One Quicksilver Secured Cash Rewards Credit Card takes our top spot in the secured card category because of its top-shelf unlimited rewards program and limited fees. Don’t miss this one if you’re in the market for a secured card.
The Capital One Quicksilver Secured Cash Rewards Credit Card’s outstanding rewards program marks it out as head-and-shoulders above the competition – and that’s without considering it’s generous security deposit refund program.
This card comes with all the regular downsides of a secured card, so unless you have low or no credit, a different card may be a better choice.
Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.
Regular APR
4.0
Intro APR
0.0
Fees
4.5
Benefits
5.0
Overall Rating
4.5 /5
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on Discover's secure site
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Rated 5/5 stars by our editorial team
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Over the Past 60 Days!
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
APRs
10.99% Intro APR for 6 months on balance transfers then 27.74% Variable APR
Rates and Fees
No annual fee, no late fee on your first late payment. No penalty APR*
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® Secured Credit Card
on Capital One's secure site
Rated 4/5 stars by our editorial team
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4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!
Reports to Credit Bureaus
Build Credit When Used Responsibly
Minimum Deposit
$49, $99, or $200
Regular Purchase APR
29.99% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One Platinum Secured Credit Card
on OpenSky's secure site
Rated 3.5/5 stars by our editorial team
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Purchase APR
21.89% (variable)
Build Credit
Build credit quickly. OpenSky reports to all 3 major credit bureaus.
Credit Line
$200 - $3,000 Credit Line*
Typical Credit Needed
Annual Fee
$35
Card Brand
Visa®
See additional details for OpenSky® Secured Visa® Credit Card
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Credit Card Providers determine the underwriting criteria necessary for approval, you should review each Provider's terms and conditions to determine which card works for you and your personal financial situation. All reasonable efforts are made to provide and maintain accurate information. All credit card rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider's discretion. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown. The “Typical Credit Needed” information is provided by the Credit Card Providers and is not a guarantee of approval.
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Credit Card Balance Transfer Calculator:
ASSUMPTIONS:
The Credit Card Balance Transfer Calculator assumes the full balance of the credit card will be transferred to a 0% APR credit card and regular payments will be applied. The calculator also assumes a $0 balance transfer fee for certain cards that have a promotional introductory balance transfer fee. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. The actual savings does not take into account any fees or other charges by the card issuer. Please read all terms and conditions of the credit card offer carefully before making a decision. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Between 720 - 850
Credit cards for excellent credit are intended for those with a credit score between 720 - 850.
Between 660 - 719
Credit cards for good credit are intended for those with a credit score between 660 - 719.
Between 550 - 659
Credit cards for fair credit are intended for those with a credit score between 550 - 659.
Between 300 - 599
Credit cards for poor credit are intended for those with a credit score between 300 - 599.
- - -
Credit cards for no credit are intended for those without an established credit score.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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