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Capital One Platinum 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 8.6 pts. Scores: Capital One Platinum Secured 47.7%, Capital One Quicksilver Secured 56.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Platinum Secured nets $0/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: 0.0 · Secured: 6.0
• Sign-up bonusSecured: 0.0 · Secured: 0.0
• Intro 0% APRSecured: 0.0 · Secured: 0.0
• Regular APRSecured: 3.4 · Secured: 3.4
• Foreign transaction feeSecured: 10.0 · Secured: 10.0
• Regulatory record (CFPB)Secured: 10.0 · Secured: 10.0

Downsides

• Capital One Platinum Secured47.7%
  Capital One · secured
  Annual fee $0APR 29.24% variableRewards No rewards programCredit Rebuilding

  ⚠ APR up to 29.24% if you carry a balance · Late fee up to $40

• 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, Capital One Platinum 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.