Capital One Quicksilver Secured
What this card costs, and how easily you get in.
It has the clearest way out: pay on time, get your deposit back, move to the unsecured Quicksilver.
Terms apply. See rates & fees on Capital One. Rankings are pure math, never sold.
What it costs to start
Someone starting out or rebuilding, with no spending assumed. Figures as of October 2, 2026, the day the terms were last verified.
Opening it takes a $200 refundable deposit, and holding it costs $0 a year. Capital One runs a credit check when you apply. The way out: Pay on time, earn your deposit back, upgrade to the unsecured Quicksilver. For anyone starting out, it places second of the 6 building credit cards we’ve confirmed.
Of the 6 building credit cards we’ve confirmed, its deposit is the fifth lowest, and 5 charge no annual fee. Of those 6, 4 run no hard credit check. Ranked just above it is the Capital One Platinum Secured. The deposit starts at $49 instead of a flat few hundred, and Capital One says you could move to an unsecured card in as little as six months. Just below it is the OpenSky Plus Secured Visa. No credit check and no yearly fee makes it the easiest door in. There is no named upgrade program, so you move on by applying elsewhere.
Who it fits
It fits if
- You want a path to an unsecured card from the same bank.
- You want it to cost nothing to hold.
Look elsewhere if
- You cannot set aside $200 for the deposit.
- A hard credit check would set you back right now.
Plain facts
- Who gets approvedFair credit / thin file. Built for rebuilding credit. Check your eligibility first with no score impact.
- The issuer’s terms governRates, fees and bonus conditions are set by Capital One and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Capital One’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 3 of the figures it watches here were still printed there. How we check
What people ask about it
Do I get the deposit back?
Yes. The $200 minimum deposit is refundable.
How do I move on to an unsecured card?
Pay on time, earn your deposit back, upgrade to the unsecured Quicksilver.
What does it cost over the first two years?
Nothing. There is no annual or monthly fee.
Where it shows up
Every ranking and comparison with the Capital One Quicksilver Secured in it, each computed the same way.
- Best card for building creditCapital One Platinum Secured first, from a $49 deposit.
More cards like this
- Yearly fee $0Capital One Platinum SecuredCapital One · for fair credit or a thin file, $49 refundable deposit
- Yearly fee $0OpenSky Plus Secured VisaOpenSky · for no credit history, no credit check and $300 refundable deposit
- Yearly fee $0Varo BelieveVaro · for no credit history, no credit check and no deposit
The three building credit cards beside this one on our list of every card. See every card