Wells Fargo Reflect® vs. Capital One Quicksilver Secured 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 →WealthSpott Verdict
Wells Fargo Reflect® wins on more measurable categories — particularly annual cost. Capital One Quicksilver Secured Cash Rewards may still win for your wallet depending on how you spend.
Feature
Wells Fargo Reflect®
Capital One Quicksilver
Annual Fee
$0
$0
Sign-up Bonus
None
None
Rewards Rate
0%
1.5% on all purchases
Rewards Type
None
Cash Back
0% Intro APR
0% intro APR for up to 21 months
None
Regular APR
18.24%-29.99% Variable Best
29.99%
Foreign Transaction Fee
Yes
—
Recommended Credit Score
670-850
No credit or rebuilding
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
Capital One Quicksilver Secured Cash Rewards
Not sure which card is right for you?
Browse all credit cards