Capital One Quicksilver Secured Credit Card
Basic Information
Program ID: quicksilver-secured
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:56
Last Scraped: 01/15/2026 15:58
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No sign-up bonus is currently offered for the Capital One Quicksilver Secured card.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.50%
Bonus Reward Rate: 1.50%
Bonus Categories: Flat 1.5x on all purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 300 - 670
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Capital One Quicksilver Secured card is projected to maintain its core purpose as a credit-building tool. Eligibility typically requires applicants to be 18 years or older, a U.S. resident, and possess a Social Security Number or ITIN. It is primarily designed for individuals with limited or fair credit, or those looking to rebuild their credit history. A refundable security deposit (minimum typically $200-$300) is required, which determines the credit limit. Unlike premium cards, the Quicksilver Secured does not offer a traditional sign-up bonus; its primary 'bonus' is the opportunity to build credit and potentially graduate to an unsecured card. Capital One generally advises against applying for more than one of their cards within a 6-month period, though this can vary based on credit profile and card type. The 'once per lifetime' bonus restriction, such as the one for Venture X, does *not* apply to the Quicksilver Secured card, as it does not offer a sign-up bonus.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: Not applicable; secured cards typically do not offer a sign-up bonus requiring a minimum spend.
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Capital One accounts, rapid application velocity (too many new accounts/inquiries), suspicious spending patterns, failure to make timely payments, or abuse of card terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
Helps build credit effectively, earns cash back on all purchases, easy approval with security deposit, potential for credit limit increases and graduation to unsecured.
Top Negative Feedback:
Requires a security deposit, high APR, low initial credit limit, no sign-up bonus.
Approval Experience Score: 88.0 / 100
Recommended Alternatives
- Capital One Platinum Secured
- Discover it Secured
- OpenSky Secured Visa
Card Value Score: 80.0 / 100
Est. Annual Rewards: $65.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 90% General / 10% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 88.0%
Terms Version Control
Version ID: v1.0