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USAA Preferred Cash 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: Capital One Quicksilver Secured leads by None pts. Scores: USAA Preferred Cash Rewards 56.9%, Capital One Quicksilver Secured 56.3%.

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

Criterion scores (0–10)

• Annual feeRewards: 10.0 · Secured: 10.0
• Rewards rateRewards: 6.0 · Secured: 6.0
• Sign-up bonusRewards: n/a · Secured: 0.0
• Intro 0% APRRewards: 0.0 · Secured: 0.0
• Regular APRRewards: 8.8 · Secured: 3.4
• Foreign transaction feeRewards: 10.0 · Secured: 10.0
• Regulatory record (CFPB)Rewards: n/a · Secured: 10.0

Downsides

• USAA Preferred Cash Rewards56.9%
  USAA · cash back · limited data
  Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee)APR 15.65%–27.65% variableRewards 1.5% baseCredit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 27.65% if you carry a balance · Late fee up to $35 · Unlimited 1.5% cash back (per the card's Visa card-finder listing; USAA's page blocks automated reads). USAA membership required.

• 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, USAA Preferred Cash Rewards 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.