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Capital One Quicksilver Secured vs Capital One QuicksilverOne

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: too close to call (under 3 pts). Scores: Capital One Quicksilver Secured 56.3%, Capital One QuicksilverOne 53.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Quicksilver Secured nets $346/yr, Capital One QuicksilverOne nets $307/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

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

Downsides

• 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

• Capital One QuicksilverOne53.4%
  Capital One · cash back
  Annual fee $39 (CFPB TCCP; issuer page did not render a clear fee)APR 29.24% variableRewards 1.5% baseCredit no credit score, ≤619 (CFPB TCCP targeted tiers)

  ⚠ $39 annual fee (CFPB TCCP; issuer page did not render a clear fee) · 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 Quicksilver Secured or Capital One QuicksilverOne?

On VaultRubric's rubric: too close to call. 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.