Capital One Quicksilver Secured Cash Rewards Credit Card - Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel

Capital One Quicksilver Secured Cash Rewards Credit Card Overview

The Capital One Quicksilver Secured Cash Rewards Credit Card is a secured option with no annual fee. To establish a starter credit line, you place a refundable $200 security deposit, which can effectively set you up with at least a $200 initial credit limit. You’ll earn unlimited cash back: 1.5% on every purchase, with the potential to earn 5% back on hotels, vacation rentals, and rental cars booked through Capital One Travel. The card also offers peace of mind with $0 Fraud Liability, and there are opportunities to recover your security deposit as a statement credit when you use the card responsibly. After as little as 6 months, you may be automatically considered for a higher credit line without any additional deposit. Additionally, you can monitor your credit score for free with CreditWise from Capital One and access a top-rated mobile app to manage your account.

Rewards details include unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel and unlimited 1.5% cash back on every purchase, every day.

Pros

No annual or hidden fees? The card has $0 annual fee, with no hidden charges disclosed.

Unlimited 1.5% cash back on every purchase. Earn cash back on all purchases with no cap on the rate.

Refundable $200 security deposit to obtain at least a $200 initial credit line, which can help you build credit responsibly.

Possible to earn back your security deposit as a statement credit when you use the card responsibly, such as making payments on time.

Automatic consideration for a higher credit line in as little as 6 months with no additional deposit needed.

5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, in addition to 1.5% on every purchase.

Free CreditWise credit score monitoring for everyone, so you can keep an eye on your credit profile.

Top rated mobile app for easy account management and security features.

Card comes with $0 Fraud Liability, meaning you won’t be responsible for unauthorized charges.

Cons

This is a secured card, which requires a refundable $200 security deposit to open and establish your initial credit line.

The 5% travel category applies specifically to hotels, vacation rentals and rental cars booked through Capital One Travel; purchases outside that channel will earn the standard 1.5% cash back on most purchases.

Why we like this card

We like this card for its combination of a $0 annual fee with a pathway to build or rebuild credit, thanks to the secured deposit requirement and potential for a higher credit line after six months without an extra deposit. The cash-back structure is appealing: 1.5% on all purchases plus a targeted 5% rate for hotels, vacation rentals, and rental cars booked through Capital One Travel. The ability to recover your security deposit as a statement credit with responsible use adds a helpful incentive. Free tools like CreditWise for monitoring and access to a highly rated mobile app make managing the account easier, and the $0 Fraud Liability provides additional peace of mind against unauthorized charges. Overall, this card offers a practical route to earn cash back while building credit in a no-fee secured format.