Apply guide
How to apply for the Capital One Quicksilver Secured
- No annual fee
- Deposit from $200 — refundable
- Reports to all 3 bureaus — payments build your file
You will be redirected to another website.
The 4 steps
1. Check pre-qualification (soft pull, no score impact)~2 min
2. Fund your refundable deposit~5 min
3. Get your approval decisionoften instant
4. Turn on autopay, keep utilization under 30%ongoing
Not sure yet? Take the 60-second quiz →
Before you go
Does checking or applying hurt my credit score?
Pre-qualification uses a soft check with no score impact. A formal application involves a credit check, but as a secured card, approval centers on your deposit rather than your score.
What credit score do I need?
No published minimum — it targets fair, limited, or rebuilding credit. The $200 deposit is the real requirement.
How long does it take to build credit with this card?
Reporting starts with your first billing cycle. Expect meaningful movement after 3–6 months; Capital One periodically reviews accounts for upgrades.