✓ No impact on your credit score to check

Cash back while you rebuild — not either-or.

The Quicksilver Secured pays 1.5% cash back on everything while you build credit — unusual for a secured card, with a $200 refundable deposit and no annual fee.

✓ Reports to 3 bureaus ✓ Deposit from $200 ✓ Annual fee $0

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Why it works

Reports to all 3 bureaus

Equifax, Experian, TransUnion — the raw material of a score, reported from your first cycle.

Deposit from $200

Refundable deposit becomes your credit line.

Annual fee $0

No annual fee — the card costs nothing while it builds your file.

Auto Review Path

Graduation path: auto review path.

The details

Cash back while you rebuild — not either-or.

For years the rule was simple: secured cards build credit, rewards cards pay you. You picked one. Capital One broke the rule — the Quicksilver Secured pays unlimited 1.5% cash back on every purchase while your file grows underneath it.

If you are rebuilding, every dollar of spending you already do — gas, groceries, subscriptions — can work twice: once as the payment history that raises your score, once as cash back in your pocket.

How it works

You fund a $200 refundable deposit, which becomes your credit line. From the first swipe, purchases earn 1.5% cash back with no categories to track and no annual fee. Payments report to all three bureaus. Over time, Capital One reviews accounts for credit line increases and potential graduation to the unsecured Quicksilver — where the rewards structure continues.

Who it's for — and who should look elsewhere

Good fit if you:

Rebuilding with regular monthly spending
Can fund a $200 deposit
Want rewards while building, not after

Look elsewhere if you:

Cannot put $200 aside (Capital One Platinum Secured starts at $49)
No score at all and no bank account (OpenSky)
Maximum upgrade speed (Discover has auto reviews at 7 months)

Costs at a glance

Item	Cost	Notes
Annual fee	$0	See issuer terms for full schedule
Security deposit	$200	Refundable deposit becomes your credit line
Credit reporting	3 bureaus	Equifax · Experian · TransUnion

How it compares

Versus the Discover it® Secured (paused to new apps June 2026): Discover pays 2% at gas and restaurants (rotating first year double) and reviews automatically at 7 months, but needs the same $200 and solid on-time history. Quicksilver wins on simplicity — flat 1.5% everywhere, no activation needed.

Rates & fees last verified Oct 2026 — verify current terms at the issuer. Editorial content, not financial advice.

FAQ

Frequently asked questions

Does checking or applying hurt my credit score?

Pre-qualification uses a soft check with no score impact. A formal application involves a credit check, but as a secured card, approval centers on your deposit rather than your score.

What credit score do I need?

No published minimum — it targets fair, limited, or rebuilding credit. The $200 deposit is the real requirement.

How long does it take to build credit with this card?

Reporting starts with your first billing cycle. Expect meaningful movement after 3–6 months; Capital One periodically reviews accounts for upgrades.

What happens to my deposit?

Refundable — it becomes your credit line. On graduation to unsecured or closure in good standing, you get it back.

Can I be denied?

Yes. Denied applications typically involve insufficient income, recent delinquencies, or application volume. Pre-qualifying first avoids surprises.

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