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Capital One QuicksilverOne Cash Rewards vs Discover it Secured Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One QuicksilverOne Cash RewardsCapital One | Discover it Secured Credit CardDiscover |
|---|---|---|
| Rating | 3.8/5 | 4.1/5 |
| Annual Fee | $39 | $0 |
| APR | 30.49% | 26.49% |
| Signup Bonus | None | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year |
| Rewards Rate | 1.5% cash back on every purchase | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else |
| Credit Score | fair | poor |
| Pros | 1.5% cash back on everything — rare for a fair-credit card No foreign transaction fees See if you're pre-approved with no credit impact | Earn cash back rewards even while building credit — rare for a secured card Cashback Match doubles all rewards in year one No annual fee and automatic review for upgrade to unsecured card |
| Cons | $39 annual fee High 30.49% APR No signup bonus | Requires refundable security deposit ($200 minimum) High 26.49% APR Discover not accepted as widely as Visa/Mastercard |
| View Details → | View Details → |
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Verdict
Our Pick: Discover it Secured Credit Card
With a 4.1/5 rating, the Discover it Secured Credit Card edges out the Capital One QuicksilverOne Cash Rewards (3.8/5). No annual fee makes it easy to justify. The Discover it Secured is the best card for building or rebuilding credit. Unlike most secured cards, it earns real cash back rewards with a first-year Cashback Match, plus no annual fee and automatic upgrade reviews.