Does the Capital One Quicksilver Secured Cash Rewards have an annual fee?

No. Our record lists a $0 annual fee for the Capital One Quicksilver Secured Cash Rewards.

Is the Capital One Quicksilver Secured Cash Rewards worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.

What credit do I need for the Capital One Quicksilver Secured Cash Rewards?

Our record lists "Poor" credit as the typical target for the Capital One Quicksilver Secured Cash Rewards. It's a secured card, so a refundable deposit is part of the application. Capital One makes the final decision based on its own criteria.

Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One

No Annual Fee

Annual Fee

visaPoorcash-backno-annual-feesecured5 months ago

Welcome Offer

No Welcome Offer

Check issuer terms ↗

OpenCard analysis

Is the Capital One Quicksilver Secured Cash Rewards Credit Card right for you?

The Capital One Quicksilver Secured Cash Rewards is a no-annual-fee secured cash-back card from Capital One. It earns a flat 1.5% on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ People building or rebuilding credit with a refundable deposit
✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (1.5%) everywhere without tracking categories

First-year value estimate

Welcome bonus

Rewards on spending

$180

Annual fee (year 1)

−$0

Year 1, before credits

$180

Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 1.5%, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-27.

How it compares

Bank of America Customized Cash Rewards Secured →

Bank of America, same $0 annual fee; earns 6% on Choice Category.

Citi Secured Mastercard →

Citi, same $0 annual fee; earns 1x on everything.

Discover it Secured →

Discover, same $0 annual fee; earns 5% on Rotating Categories (activate quarterly).

Compare side by side →

Frequently asked questions

Does the Capital One Quicksilver Secured Cash Rewards have an annual fee?: No. Our record lists a $0 annual fee for the Capital One Quicksilver Secured Cash Rewards.
What does the Capital One Quicksilver Secured Cash Rewards earn?: A flat 1.5% on purchases.
Is the Capital One Quicksilver Secured Cash Rewards worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
What credit do I need for the Capital One Quicksilver Secured Cash Rewards?: Our record lists "Poor" credit as the typical target for the Capital One Quicksilver Secured Cash Rewards. It's a secured card, so a refundable deposit is part of the application. Capital One makes the final decision based on its own criteria.

Earning Rates

1.5×All purchasesUnlimited 1.5% cash back on every purchase, every day — rare for a secured card

Other Benefits

Insurance

Sources

Last Updated: Apr 27, 2026