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Navy Federal Flagship Rewards 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: Navy Federal Flagship Rewards leads by 8.3 pts. Scores: Navy Federal Flagship Rewards 64.6%, Capital One Quicksilver Secured 56.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Navy Federal Flagship Rewards nets $261/yr, Capital One Quicksilver Secured nets $346/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeRewards: 8.0 · Secured: 10.0
Rewards rateRewards: 5.5 · Secured: 6.0
Sign-up bonusRewards: 6.7 · Secured: 0.0
Intro 0% APRRewards: 0.0 · Secured: 0.0
Regular APRRewards: 10 · Secured: 3.4
Foreign transaction feeRewards: 10.0 · Secured: 10.0
Regulatory record (CFPB)Rewards: n/a · Secured: 10.0

Navy Federal Flagship Rewards

IssuerNavy Federal
Typetravel
Annual fee$95 navyfederal.org, 2026-10-12
Regular purchase APR15.74%–18.0% variable navyfederal.org, 2026-10-12
Rewards1% base; 4% travel; 3% dining navyfederal.org, 2026-10-12
Sign-up bonus (≈$)$500 50,000 points after $4,000 in 90 days (issuer: '$500 value'); limited-time navyfederal.org, 2026-10-12
Intro APRnone No intro APR shown navyfederal.org, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRup to 18.0% up to; per Navy Federal agreement consumerfinance.gov, 2026-06-30
Late feeup to $20 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit neededno credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR18% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)14.99%–18.0% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

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

Navy Federal Flagship Rewards64.6%
Navy Federal · travel
Annual fee $95APR 15.74%–18.0% variableRewards 1% base; 4% travel; 3% diningCredit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ $95 annual fee · Penalty APR up to 18.0% · Late fee up to $20
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, Navy Federal Flagship Rewards or Capital One Quicksilver Secured?

On VaultRubric's rubric: Navy Federal Flagship Rewards 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.