Capital One Quicksilver Secured Cash Rewards vs. Wells Fargo Active Cash®
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 →
Wells Fargo Active Cash®
Wells Fargo
4.6
Unlimited 2% cash back. $200 bonus. No annual fee.
Full review →WealthSpott Verdict
Wells Fargo Active Cash® 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
Wells Fargo Active
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
1.5% on all purchases
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
None
0% for 15 months
Regular APR
29.99%
19.49%-29.49% Variable Best
Foreign Transaction Fee
—
Yes
Recommended Credit Score
No credit or rebuilding
670-850
Capital One Quicksilver Secured Cash Rewards
Wells Fargo Active Cash®
Pros
- 2% cash back on all purchases
- $200 sign-up bonus
- No annual fee
- 0% intro APR for 15 months
Cons
- 3% foreign transaction fee
- No bonus categories for heavy spenders
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