With responsible card use, you could earn your deposit back and upgrade to an unsecured Quicksilver card. 1
No foreign transaction fees. No replacement card fees. No authorized user fees. Just the card you need with no unwanted surprises.
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit.
You won’t be responsible for unauthorized charges if your card is lost or stolen.
Make Your Deposit, Open Your Account
Simply make a $200 minimum deposit and your account will open with an initial credit line of $200.
Deposit More, Raise Your Credit Line
You can raise your initial credit line by depositing more than the minimum (up to a maximum limit) before activating your card. 2
Use Your Card Responsibly, Get Your Deposit Back
With responsible card use, like making payments on time, you could earn back your deposit and upgrade to an unsecured Quicksilver card. 1
Get a check or apply rewards as a statement credit. 3
Apply your cash back to directly cover a recent purchase.
Spend your rewards on gift cards from places you love. 4
Set up personalized email or text reminders to help you stay on top of your account.
Set up Autopay for your account and your payments will be made automatically every month. Learn more about setting up Autopay.
See Monthly Recurring Transactions24/7 access to a list of merchants that charge your Capital One card monthly, like subscriptions and bills on your account at www.capitalone.com
Authorized UserAdd an authorized user to your account, and track spending by user.
Balance TransferTransfer your higher-rate balances onto a Capital One card. Learn more about balance transfers.
24/7 Customer ServiceHelpful customer service representatives are available to assist you 24 hours a day. Contact Capital One Customer Service here.
Balance transfer requests are subject to approval.
Security AlertsGet notified via text, email, and phone if Capital One notices potential suspicious transactions on your account.
$0 Fraud LiabilityIf your card is lost or stolen, you will not be responsible for unauthorized charges.
Virtual Card Numbers from EnoPay for online purchases with virtual card numbers and keep your actual card number to yourself. Learn more about virtual card numbers.
Lock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen.
Account Alerts from EnoReceive an alert if Capital One detects a potential mistake or unexpected charge like a potential duplicate purchase or a sudden recurring bill increase. Learn more about account alerts.
CreditWiseGet alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
$0 fraud liability claims are subject to investigation and verification.
With Card Lock, some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions.
CreditWise availability will vary depending on ability to obtain your credit history from TransUnion® and is free for everyone whether or not you have a Capital One credit card.
Capital One Mobile AppManage your account anywhere, anytime. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise. Download the Capital One Mobile app here.
Eno®, your Capital One assistantWherever you are, Eno keeps an eye on your accounts 24/7, sends alerts when something’s up, and is always ready to answer questions—so you can keep moving. Learn more about Eno.
CreditWise from Capital OneMonitor your credit with CreditWise. It’s free for everyone—whether or not you have a Capital One credit card—and it won’t hurt your score.
CreditWise availability will vary depending on ability to obtain your credit history from TransUnion®.
No Foreign Transaction FeesYou won’t pay a transaction fee when making a purchase outside of the United States.
Capital One TravelGet our best prices on thousands of trip options—even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
Emergency Card ReplacementIf your credit card is lost or stolen, you can get an emergency replacement card.
ATM Location ServicesReceive help finding the nearest ATM when traveling.
What is a secured credit card?
It’s a credit card that offers you an opportunity to build or rebuild your credit with responsible use. A secured credit card also requires a refundable security deposit, which is held as collateral for the account. No interest is applied to the security deposit.
How does the Capital One Quicksilver Secured Rewards Credit Card work?
Once you’re approved, all it takes to get started is a minimum required security deposit, which you can pay all at once or over time. You can make your security deposit online or over the phone. When you’ve made your minimum required security deposit, your account will be opened. There are two ways your security deposit can be refunded. First, you can earn back your deposit as a statement credit by using your card responsibly or second, we will refund it when you close your account and pay your balance in full. Your card status will be regularly reported to the three major credit bureaus.
How is the Capital One Quicksilver Secured Rewards Credit Card different from a prepaid card?
Unlike a prepaid card, a secured card is an actual credit card that reports to the three major credit bureaus—providing the opportunity to build your credit, with responsible use. Prepaid cards are more like debit cards and cannot help you build your credit because they do not report to the major credit bureaus.
Will my Capital One Quicksilver Secured Rewards Credit Card have the word “secured” on it?
No. Your Capital One Quicksilver Secured Rewards Credit Card will not have the word “secured” on it. It will look just like other Capital One credit cards.
