Discover it® Secured Credit Card vs. Capital One Quicksilver Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Secured Credit Card
Discover
4.5
Secured card that earns 2% at gas and restaurants (up to $1,000/quarter). Cashback Match year one.
Full review →
Capital One Quicksilver Cash Rewards
Capital One
4.5
1.5% cash back on every purchase. No annual fee. No foreign transaction fee.
Full review →WealthSpott Verdict
Capital One Quicksilver Cash Rewards wins on more measurable categories — particularly annual cost. Discover it® Secured Credit Card may still win for your wallet depending on your spending patterns.
Feature
Discover it® Secured
Capital One Quicksilver
Annual Fee
$0
$0
Sign-up Bonus
Cashback Match
$200
Rewards Rate
1%-2%
1.5%
Rewards Type
Cash Back
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
28.24% Variable
19.99%-29.99% Variable Best
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
300-669
670-850
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
Capital One Quicksilver Cash Rewards
Pros
- 1.5% cash back on every purchase
- No annual fee and no foreign transaction fee
- 0% intro APR for 15 months
Cons
- No bonus categories for heavy spenders
- 1.5% rate trails the best flat-rate cards at 2%
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