Capital One Quicksilver Secured Cash Rewards vs. Discover it® Cash Back
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 →
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
Full review →WealthSpott Verdict
Discover it® Cash Back 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
Discover it® Cash
Annual Fee
$0
$0
Sign-up Bonus
None
Cashback Match
Rewards Rate
1.5% on all purchases
1%-5%
Rewards Type
Cash Back
Cash Back
0% Intro APR
None
0% for 15 months
Regular APR
29.99%
18.24%-28.24% Variable Best
Foreign Transaction Fee
—
Yes
Recommended Credit Score
No credit or rebuilding
670-850
Capital One Quicksilver Secured Cash Rewards
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
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