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BofA Customized Cash Rewards Secured vs Capital One Quicksilver Secured

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Capital One Quicksilver Secured leads by 12.9 pts. Scores: BofA Customized Cash Rewards Secured 43.4%, Capital One Quicksilver Secured 56.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Customized Cash Rewards Secured nets $362/yr, Capital One Quicksilver Secured nets $346/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeSecured: 10.0 · Secured: 10.0
Rewards rateSecured: 5.0 · Secured: 6.0
Sign-up bonusSecured: 0.0 · Secured: 0.0
Intro 0% APRSecured: 0.0 · Secured: 0.0
Regular APRSecured: 4.4 · Secured: 3.4
Foreign transaction feeSecured: 3.0 · Secured: 10.0
Regulatory record (CFPB)Secured: 8.0 · Secured: 10.0

BofA Customized Cash Rewards Secured

IssuerBank of America
Typesecured
Annual fee$0 bankofamerica.com, 2026-10-12
Regular purchase APR27.49%–28.24% variable files.consumerfinance.gov, 2025-12-31
Rewards1% base; 2% groceries (to $10,000/yr); 3% choice of gas/online/dining/travel bankofamerica.com, 2026-10-12
Sign-up bonus (≈$)$0 Secured cards not eligible for a new-account bonus (issuer page) bankofamerica.com, 2026-10-12
Intro APRnone No intro APR shown bankofamerica.com, 2026-10-12
Foreign transaction fee3% files.consumerfinance.gov, 2025-12-31
Penalty APRup to 29.99% up to; per BofA agreement consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee4% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed≤619, 620–719 (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31

Capital One Quicksilver Secured

IssuerCapital One
Typesecured
Annual fee$0 capitalone.com, 2026-10-12
Regular purchase APR29.24% variable capitalone.com, 2026-10-12
Rewards1.5% base capitalone.com, 2026-10-12
Sign-up bonus (≈$)$0 No bonus shown capitalone.com, 2026-10-12
Intro APRnone No intro APR shown capitalone.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededno credit score, ≤619 (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.74% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)29.49%–29.74% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

BofA Customized Cash Rewards Secured43.4%
Bank of America · secured
Annual fee $0APR 27.49%–28.24% variableRewards 1% base; 2% groceries (to $10,000/yr); 3% choice of gas/online/dining/travelCredit ≤619, 620–719 (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 28.24% if you carry a balance · Penalty APR up to 29.99%
Capital One Quicksilver Secured56.3%
Capital One · secured
Annual fee $0APR 29.24% variableRewards 1.5% baseCredit no credit score, ≤619 (CFPB TCCP targeted tiers)
⚠ APR up to 29.24% if you carry a balance · Late fee up to $40

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, BofA Customized Cash Rewards Secured or Capital One Quicksilver Secured?

On VaultRubric's rubric: Capital One Quicksilver Secured scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.