Your Top Match
🏆 Capital One Quicksilver
Cash-back rewards while you build credit
Why this is your top card:
High Cash Back
$0 Annual Fee
Reports to 3 Bureaus
Refundable Deposit
Card Details
The Capital One Quicksilver Secured is one of the rare secured cards that combines credit-building with straightforward cash-back rewards. You put down a refundable security deposit — starting at $200 — and that becomes your credit line. From there, every purchase earns a flat 1.5% cash back, with no rotating categories to track.
It’s designed for people who are rebuilding or just starting out and want a simple card that helps them progress. Capital One reports to all three major credit bureaus, and responsible use can lead to a credit line increase or potential upgrade to an unsecured Quicksilver card over time. There’s no annual fee, and your rewards never expire.
Network
Master
Deposit
$200+
Annual Fee
$0
Pros
Flat 1.5% cash back on all purchases — rare for a secured card.
No annual fee and no foreign transaction fees.
Reports monthly to all three major credit bureaus.
Potential for credit line increases with responsible use.
Rewards don’t expire and are easy to redeem.
Cons
Requires a minimum $200 security deposit.
High variable APR typical of secured/rebuilder cards.
No welcome bonus.
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