Capital One Quicksilver Secured Cash Rewards vs. Bank of America® Customized Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Quicksilver Secured Cash Rewards
Capital One
4.5
1.5% cash back on every purchase. No annual fee. $200 minimum deposit.
Full review →
Bank of America® Customized Cash Rewards
Bank of America
4.3
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Full review →WealthSpott Verdict
Bank of America® Customized Cash Rewards wins on more measurable categories — particularly annual cost. Capital One Quicksilver Secured Cash Rewards may still win for your wallet depending on your spending patterns.
Feature
Capital One Quicksilver
Bank of America®
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
1.5% on all purchases
1%-3%
Rewards Type
Cash Back
Cash Back
0% Intro APR
None
0% for 15 billing cycles
Regular APR
29.99%
19.24%-29.24% Variable Best
Foreign Transaction Fee
—
Yes
Recommended Credit Score
No credit or rebuilding
670-850
Capital One Quicksilver Secured Cash Rewards
Bank of America® Customized Cash Rewards
Pros
- 3% on your choice category (gas, dining, online, etc.)
- 2% at grocery stores and wholesale clubs
- No annual fee
- Boostable with Preferred Rewards (up to 75%)
Cons
- 3% foreign transaction fee
- 3% choice category caps at $2,500/quarter
- Must actively choose your category
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