13
Benefits1
Reward Categories1.5x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| All Other Purchases | 1.5x | Cash Back | Unlimited 1.5% cash back on every purchase, every day. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1.5x
Quarterly Rotating: No
Expiration Policy: Your cash back rewards don't expire for the life of the account.
Point Value: 0.02¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 13 Total
PENDINGAccount Management 3
Capital One Mobile App Access
Manage your credit card account 24/7 through the Capital One Mobile app, including checking balances, making payments, and monitoring transactions.
Eno® Assistant
Access Eno, the Capital One intelligent assistant, to help manage your money, track spending, and receive insights.
Account Alerts and Notifications
Stay informed about your spending and account activity with customizable alerts and notifications.
Credit Building 2
Credit Building
This card is designed to help individuals build or rebuild their credit history through responsible use, with payment activity reported to the three major credit bureaus.
Potential for Higher Credit Line
Cardholders may be eligible for a higher credit line after making their first six monthly payments on time.
Rewards 1
Unlimited 1.5% Cash Back
Unlimited 1.5% cash backEarn 1.5% cash back on all eligible purchases made with the card, with no limits on the amount of cash back you can earn.
Security 5
$0 Fraud Liability
$0 liabilityCardholders are not held responsible for unauthorized charges made on their card.
Security Alerts
Receive alerts via text, email, or phone if Capital One detects suspicious activity on your account.
Virtual Card Numbers
Generate unique virtual card numbers for online shopping to help protect your actual credit card number from potential fraud.
Account Lock
Instantly lock your credit card account from the Capital One Mobile app if your card is lost or stolen, preventing new purchases.
Mastercard ID Theft Protection™
Provides assistance from identity theft resolution specialists, including monitoring for suspicious activity and help with restoring your identity, should you become a victim of identity theft.
Travel 1
No Foreign Transaction Fees
0%No additional fees are charged on purchases made outside of the United States.
Travel/Emergency 1
Mastercard Global Service™
24-hour assistanceProvides 24-hour emergency assistance for card-related issues, including lost and stolen card reporting, emergency card replacement, and emergency cash advances, when traveling.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Capital One Quicksilver Secured card for 2026 is designed for individuals with limited or fair credit (typically FICO scores in the 300-669 range) or those actively rebuilding their credit history. Eligibility requires applicants to be at least 18 years old, possess a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a valid U.S. mailing address. Applicants should not have a recent bankruptcy or a defaulted Capital One account. A security deposit (e.g., $200, $500) is required, which typically sets the initial credit limit. This card generally does not offer a traditional sign-up bonus; its primary benefits are credit building through responsible use and earning 1.5% cash back on all purchases. Capital One is known for its sensitivity to recent credit applications; while not a hard rule, it's generally advised to wait at least 6 months between Capital One applications. Utilizing Capital One's pre-qualification tool is highly recommended to check eligibility without impacting your credit score.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable as no sign-up bonus is offered for this card.
Cliff Effect Rules: Capital One employs a 'bucket' system for secured cards, where the initial credit limit is directly tied to the security deposit, potentially limiting initial credit growth. While the 'once per lifetime' bonus restriction (like for Venture X) is not typically applied to secured cards, Capital One has general application frequency rules (often unofficially referred to as 1/6 or 2/24 rules, meaning 1 new Capital One card in 6 months, or 2 new cards from any issuer in 24 months). Exceeding these unwritten guidelines can lead to automatic denials for subsequent Capital One products, creating a 'cliff effect' for new account approvals across their portfolio.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.2 / 5.0
Top Positive:
Easy approval process for those with limited or poor credit, effective for building credit history, and offers a competitive 1.5% cash back reward rate with no annual fee.
Top Negative:
Requires a security deposit, initial credit limits can be low, and some users report challenges with graduating to an unsecured card or with customer service.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Discover it Secured Card
- Capital One Platinum Secured Card
- OpenSky Secured Visa Credit Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $90.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0