Capital One Quicksilver Secured vs First Latitude Assent Mastercard Secured: Which Is Better In 2026?

First Latitude Assent Mastercard® Secured Credit Card Breakdown

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Why We Like It

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Here’s a breakdown of why we’re fans of the First Latitude Assent Mastercard® Secured Credit Card.

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• It helps build or rebuild your credit history by reporting to all three major credit bureaus.
• Applying won’t impact your credit score, and there’s no annual fee.
• The card offers a unique rewards structure that incentivizes responsible payment behavior.

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Pros

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• No annual fee.
• Applying does not impact your credit score.
• Earns rewards on payments rather than purchases.

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Cons

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• The card has a high interest rate, making it expensive if you carry a balance.
• It does not offer a path to graduate to an unsecured card.
• Getting your security deposit back requires closing the account and mailing in the physical card.

First Latitude Assent Mastercard® Secured Credit Card vs Capital One Quicksilver Secured Cash Rewards

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Categories

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When building credit, choosing the right secured card is crucial, leading many to ask which is better Capital One Quicksilver Secured or First Latitude Assent Mastercard Secured.

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• Capital One Quicksilver Secured Cash Rewards Credit Card is best for individuals looking to build or rebuild their credit while also earning rewards on their purchases. It's also a great option for those hoping to eventually graduate to an unsecured credit card.
• First Latitude Assent Mastercard® Secured Credit Card is designed for people who are building or repairing their credit history, including those with bad or no credit. It is particularly suitable for those seeking a secured card that offers an incentive for making payments on time.

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Redemption

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Capital One Quicksilver Secured Cash Rewards Credit Card: Cardholders earn cash back on every purchase, which can be redeemed in a variety of ways, including as a statement credit or a check.

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First Latitude Assent Mastercard® Secured Credit Card: This card offers rewards as an incentive for responsible credit usage, such as making consistent, on-time payments.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a financial platform designed to help you compare nearly 3,000 credit cards and find the best match for your spending habits.

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• Test drive a credit card: Before you apply, you can use your real spending data to simulate how much you would earn with any card, giving you a personalized projection of its value.
• Welcome offer guarantee: If you find a better public welcome offer for a card you got through Kudos within three months, Kudos will match it.
• Detailed approval odds: Get a comprehensive analysis of your approval chances based on your credit report.
• Kudos Kickstart+ Rewards: Unlock $100 in rewards when you add select approved cards to your Kudos Wallet.
• Personalized recommendations: Receive card suggestions tailored to your spending history to maximize your earnings.

Who Should Choose the Capital One Quicksilver Secured Cash Rewards?

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The Capital One Quicksilver Secured Cash Rewards Credit Card is an ideal choice for individuals looking to build or rebuild credit. It’s particularly well-suited for those who may not qualify for a traditional unsecured card but still want to earn a flat 1.5% cash back on all purchases. With no annual fee and the potential to graduate to an unsecured card, it offers a clear path toward improving your credit while enjoying rewards.

Who Should Choose the First Latitude Assent Mastercard® Secured Credit Card?

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The First Latitude Assent Mastercard® Secured Credit Card is tailor-made for individuals looking to build or repair their credit history. Because it requires no minimum credit score and uses a soft pull for applications, approval odds are high even for those with past credit issues or no credit at all. It's an ideal tool for establishing a positive payment history, as it reports to all three major credit bureaus and can serve as a stepping stone to an unsecured card.

Alternatives to Consider

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If this comparison of the Capital One Quicksilver Secured Cash Rewards and the First Latitude Assent Mastercard® Secured Credit Card shows that neither is the right choice for you, don't worry. There are plenty of other excellent secured cards that might be a better match for your needs.

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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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• Review your credit report: Get a clear picture of your credit history to ensure you’re choosing the right card to build with.
• Prepare for a security deposit: Have funds ready for the refundable deposit, as this is a standard step for most secured cards.
• Check for soft-pull applications: See if you can apply without a hard inquiry impacting your credit score.

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Application Strategy

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• Confirm your income: Some issuers have specific income requirements to ensure you can manage payments.
• Mind your application velocity: Be aware of issuer-specific rules regarding how many times you can apply within a certain period.
• Check your bankruptcy status: Ensure any past bankruptcies are fully discharged, as this is a common eligibility requirement.

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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What is a secured credit card?

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A secured credit card is a type of credit card that requires a refundable cash deposit to open the account. This deposit typically sets your credit limit and reduces the risk for the issuer, making it easier for people with limited or poor credit to get approved.

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How does a security deposit for a credit card work?

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When you're approved for a secured card, you'll pay a security deposit that the card issuer holds as collateral. If you fail to make your payments, the issuer can use the deposit to cover the outstanding debt.

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Can I upgrade a secured card to an unsecured one?

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Many issuers will review your account periodically and may offer to upgrade you to an unsecured card after you've demonstrated responsible use over time. This process often includes refunding your original security deposit.

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