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

The Capital One Quicksilver Secured Cash Rewards Credit Card is a no-annual-fee option designed to help build or rebuild your credit. You can earn unlimited 1.5% cash back on every purchase, every day. To open the account, you place a refundable $200 security deposit to establish at least a $200 initial credit line. The card also provides $0 Fraud Liability protection, so you won’t be responsible for unauthorized charges. If you use the card responsibly, you could earn back your security deposit as a statement credit. You may be automatically considered for a higher credit line in as little as 6 months with no additional deposit. Additionally, you can earn 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, and you can monitor your credit score with CreditWise from Capital One at no cost. See if you’re approved in seconds.

Pros

No annual or hidden fees: The card has a $0 annual fee with no hidden charges.

Unlimited 1.5% cash back on every purchase, every day.

Refundable $200 security deposit to get at least a $200 initial credit line.

Building your credit? Using this card responsibly could help.

$0 Fraud Liability protects you from unauthorized charges.

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

Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed.

Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.

Monitor your credit score with CreditWise from Capital One. It’s free for everyone.

Cons

No cons are listed in the provided information. If you’re seeking potential drawbacks, please refer to the card issuer’s official materials for full terms and details.

Why we like this card

We like that this card has a $0 annual fee, making it an accessible option for building or rebuilding credit without recurring costs.

The combination of a steady 1.5% cash back on all purchases and a targeted 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel gives everyday rewards plus a meaningful travel perk.

The security deposit requirement is straightforward: a refundable $200 deposit establishes at least a $200 initial credit line, which can be valuable for establishing credit history with responsible use.

Zero Fraud Liability adds peace of mind by protecting you from unauthorized charges, and there’s potential to recover your deposit as a statement credit if you demonstrate responsible use (e.g., timely payments).

Automatic consideration for a higher credit line after as little as 6 months can help you grow your available credit without additional deposits.

Free CreditWise credit score monitoring is an extra tool to help you track your financial progress and credit-building journey as you use the card.

Additionally, the option to see if you’re approved in seconds can streamline the application process and reduce guesswork when applying for credit.