Capital One Quicksilver Secured Cash Rewards vs. Capital One Spark Cash Plus
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 →Capital One Spark Cash Plus
Capital One
4.3
Unlimited 2% cash back on every business purchase. Up to $1,200 bonus.
Full review →WealthSpott Verdict
Capital One Quicksilver Secured Cash Rewards wins on more measurable categories — particularly annual cost. Capital One Spark Cash Plus may still win for your wallet depending on how you spend.
Feature
Capital One Quicksilver
Capital One Spark
Annual Fee
$0 Best
$150/yr
Sign-up Bonus
None
Up to $1,200
Rewards Rate
1.5% on all purchases
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
None
N/A (charge card)
Regular APR
29.99% Best
N/A (charge card — pay in full)
Foreign Transaction Fee
—
None
Recommended Credit Score
No credit or rebuilding
720-850
Capital One Quicksilver Secured Cash Rewards
Capital One Spark Cash Plus
Pros
- Unlimited 2% cash back on all purchases
- Up to $1,200 cash bonus
- No foreign transaction fee
Cons
- $150 annual fee
- Charge card — must pay in full monthly
- High spend required for full bonus
Not sure which card is right for you?
Browse all credit cards