Discover it Secured Cash Back Credit Card vs Quicksilver Secured from Capital One
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Discover it Secured Cash Back Credit Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
Quicksilver Secured from Capital One
Estimated value every year on typical spending
$468/ year
Every year, after the annual fee. No welcome bonus.
The short answer
- On typical spending, the Quicksilver Secured from Capital One comes out ahead: about $468 a year after its fee, against $312 for the Discover it Secured Cash Back Credit Card.
- The Quicksilver Secured from Capital One earns more on groceries, dining, gas, travel, everything else.
Side by side
| Discover it Secured Cash Back Credit Card | Quicksilver Secured from Capital One | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate; 1% cash back on all other purchases | 1.5% cash back on every purchase, every day |
| Welcome bonus | Unlimited Cashback Match: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. | None |
| Credits counted | $0/yr | $0/yr |
| Intro APR | Not applicable | Not applicable |
| Regular APR | Not listed | 29.24% variable |
| Foreign transaction fee | None | None |
| Credit needed | Not specified | Fair |
Yearly rewards by category
| Category (monthly spend) | Discover it Secured Cash Back Credit Card | Quicksilver Secured from Capital One |
|---|---|---|
| groceries ($500) | $60 | $90 |
| dining ($400) | $48 | $72 |
| gas ($200) | $24 | $36 |
| travel ($300) | $36 | $54 |
| everything else ($1,200) | $144 | $216 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Discover it Secured Cash Back Credit Card or the Quicksilver Secured from Capital One?
On typical spending the Quicksilver Secured from Capital One is worth more: about $468 a year after its fee, against $312 for the Discover it Secured Cash Back Credit Card. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Quicksilver Secured from Capital One. On $500 a month of groceries it earns about $90 a year, against $60 with the Discover it Secured Cash Back Credit Card.
Which is better for dining?
The Quicksilver Secured from Capital One. On $400 a month of dining it earns about $72 a year, against $48 with the Discover it Secured Cash Back Credit Card.
Which is better for travel?
The Quicksilver Secured from Capital One. On $300 a month of travel it earns about $54 a year, against $36 with the Discover it Secured Cash Back Credit Card.
Which is better for gas?
The Quicksilver Secured from Capital One. On $200 a month of gas it earns about $36 a year, against $24 with the Discover it Secured Cash Back Credit Card.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.