Capital One Quicksilver Secured vs Current Build Secured: Which Is Better In 2026?

Current Build Visa® Credit Card Breakdown

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Why We Like It

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Here's a breakdown of why we like the Current Build Visa® Credit Card.

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• It’s an accessible option for building credit since there is no credit check required to apply.
• The Current Build Visa® Credit Card reports to all three major credit bureaus, which is essential for establishing a positive credit history.
• You can avoid accumulating debt and interest charges because the card is designed to prevent you from carrying a balance.

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Pros

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• No credit check is required, making it accessible even if you have a poor or limited credit history.
• You don't need a minimum security deposit to get started.
• The card's structure helps you avoid interest charges and accumulating debt.

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Cons

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• There is no option to graduate to an unsecured card, so you will have to apply with a different issuer after building your credit.
• The rewards program is restrictive, as earnings are limited and require meeting specific direct deposit qualifications.
• It is tied to a mobile-only platform with no physical branches and does not allow you to carry a balance.

Current Build Visa® Credit Card vs Capital One Quicksilver Secured Cash Rewards

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Categories

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Deciding which is better, Capital One Quicksilver Secured or Current Build Secured, depends entirely on your current credit situation and financial goals. Each card is designed for a different type of credit builder, making one a clear winner depending on your needs.

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• Capital One Quicksilver Secured Cash Rewards Credit Card - This card is best for those looking to build or rebuild their credit while also earning cash back rewards on their purchases. It's a strong option for users who want the potential to graduate to an unsecured card in the future.
• Current Build Visa® Credit Card - This card is designed for individuals with no or poor credit history who need a straightforward way to start building credit. It's particularly suited for entry-level credit builders who may not qualify for traditional secured cards.

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Redemption

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Capital One Quicksilver Secured Cash Rewards Credit Card: Cardholders can redeem their cash back rewards in several flexible ways, such as receiving a statement credit or a check.

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Current Build Visa® Credit Card: This card does not offer a traditional rewards program for cash back or points, as its main purpose is to help users build their credit history.

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Compare Top Rated Credit Cards with Kudos

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For those looking to make a data-backed decision, Kudos offers a comprehensive tool that evaluates nearly 3,000 credit cards to find the best match for your spending habits.

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• Test drive credit cards: The platform’s “Test Drive” feature allows you to simulate potential earnings from different cards using your actual spending data before you apply.
• Detailed approval odds: Get a personalized analysis of your approval odds for various cards based on your credit report.
• Welcome offer guarantee: If you find a better public welcome offer within three months of approval, Kudos will match it.
• Kudos Boost rewards: Earn extra rewards on top of your credit card rewards when you shop at participating stores.

Who Should Choose the Capital One Quicksilver Secured Cash Rewards?

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The Capital One Quicksilver Secured Cash Rewards Credit Card is designed for people who are building or rebuilding their credit. It's one of the few secured cards that offers a flat-rate cash back reward on every purchase, allowing you to improve your credit score while earning 1.5% back. This card is ideal for someone who can pay a refundable security deposit and plans to pay their balance in full monthly to avoid high interest charges.

Who Should Choose the Current Build Visa® Credit Card?

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The Current Build Visa® Credit Card is designed for individuals just starting their credit journey or those looking to rebuild. This includes young adults with no credit history, recent immigrants establishing a U.S. credit profile, and people recovering from bankruptcy. It's an ideal fit for those who can set up regular direct deposits into a Current account and prefer a mobile-first banking experience to build credit without a hard inquiry or security deposit.

Alternatives to Consider

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After reviewing our Capital One Quicksilver Secured vs. Current Build Secured comparison, you might decide that neither card is the right choice for you. If that's the case, several other strong contenders in the secured card space are worth a look.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score: Many issuers let you check for pre-approval without impacting your score.
• Know the issuer's rules: Some issuers have restrictions on how many cards you can have or how often you can apply.
• Look for prerequisites: Some cards require you to have an existing account with the financial institution first.

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Application Strategy

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• Use pre-approval tools: Check your eligibility with a soft inquiry before you formally apply.
• Time your application: Apply before a planned large purchase to help meet any spending requirements.
• Have a backup plan: Consider a secured card to build your credit if you are denied for an unsecured one.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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How does a security deposit for a credit card work?

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You provide a refundable cash deposit when you open the account, and this amount usually becomes your credit limit. It serves as collateral for the bank, which is why these cards are often easier to get approved for.

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Will I get my security deposit back?

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Yes, your deposit is refundable. Issuers typically return it when you close your account with a zero balance or after they upgrade you to a traditional, unsecured credit card.

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Do secured cards actually build your credit score?

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They do. Both Capital One and Current report your payment history to the major credit bureaus. Making on-time payments is a key factor in building a positive credit history and improving your score.

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