Build or rebuild credit while earning unlimited 1.5% cash back on every purchase — no annual fee and no foreign transaction fees.
Luana Ribeiro · June 25, 2025 · 3 minutes
When I was looking for a way to rebuild my credit without giving up on rewards, I found the Capital One Quicksilver Secured Cash Rewards Credit Card, and it honestly changed everything for me.
I felt like I finally had a tool that worked for my goals and didn't punish me with hidden fees.
CREDIT‑BUILDING CASH BACK
You will remain on the current site.
I earn unlimited 1.5% cash back on every purchase, and when I book hotels or rental cars through Capital One Travel, I get 5% cash back. That adds up fast!
There are no annual fees, no monthly fees, and no foreign transaction fees — which gave me peace of mind when using it abroad.
I started with a $200 refundable security deposit, which became my credit line.
After 6 months of responsible use, Capital One reviewed my account for a potential credit increase or even an upgrade to an unsecured card.
APR & Fees: The variable APR is 29.74%, which is pretty standard for secured cards.
But there’s no penalty APR, no card replacement fee, and I’m not liable for unauthorized charges.
The credit-building tools were a big win for me — monthly reporting to all three bureaus and access to my credit score via CreditWise. I could actually see my score improving month by month.
If you're like me and want to build credit while getting real cash back — without dealing with annoying fees — the Quicksilver Secured Card delivers real value.
Yes! Capital One reports to all three major credit bureaus, which helps build your credit with responsible use.
The minimum refundable security deposit is $200.
No, the card has no annual fee.
Absolutely! You earn unlimited 1.5% cash back on every purchase, plus 5% on hotels and car rentals through Capital One Travel.
Possibly — Capital One automatically reviews your account after 6 months for eligibility.
Luana Ribeiro
I'm Luana Ribeiro, a 24-year-old from São Paulo, Brazil. I have a degree in Psychology, but I currently work as a writer and head of content at Cashflowlr. My job is to turn ideas into engaging, clear, and relevant content. I specialize in strategic communication, copywriting, and SEO. I’m skilled at adapting language to different audiences and niches, always aiming to create value and connection through words. Organized and passionate about writing, I continue to grow in the content field, constantly learning and crafting texts that inform, inspire, and communicate with purpose and authenticity.
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