Capital One Quicksilver Secured vs Marriott Bonvoy Bevy: Which Is Better In 2026?

Marriott Bonvoy Bevy® American Express® Breakdown

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Why We Like It

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This section breaks down why we like the Marriott Bonvoy Bevy® American Express® Card (See Rates & Fees).

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• The card grants automatic Marriott Bonvoy Gold Elite status, unlocking valuable hotel perks without meeting stay requirements.
• It offers strong rewards on both Marriott stays and everyday purchases at restaurants and U.S. supermarkets.
• Cardholders can earn a Free Night Award and receive credits that help them reach higher elite status tiers faster.

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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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Pros

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• Receive complimentary Marriott Bonvoy Gold Elite status, which unlocks enhanced hotel benefits.
• Avoid foreign transaction fees on purchases made abroad.
• Gain access to valuable travel protections and exclusive Amex Offers.

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Cons

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• The annual fee is not easily offset by automatic benefits, as the Free Night Award requires significant spending to earn.
• Lacks premium travel perks like airport lounge access, which are often found on other travel cards.
• Card benefits are heavily skewed toward Marriott loyalists, offering less value for travelers who don't frequently stay at Marriott properties.

Marriott Bonvoy Bevy® American Express® vs Capital One Quicksilver Secured Cash Rewards

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Categories

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When deciding which is better, Capital One Quicksilver Secured or Marriott Bonvoy Bevy, it's crucial to recognize they are designed for completely different consumers and financial goals.

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• Capital One Quicksilver Secured Cash Rewards Credit Card is best for individuals who are building or rebuilding their credit. It allows users to earn cash back on everyday purchases while establishing or improving their credit history.
• Marriott Bonvoy Bevy® American Express® Card is a travel rewards card aimed at frequent travelers who are loyal to Marriott properties. It's ideal for those who want to maximize hotel rewards and enjoy elite status benefits.

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Redemption

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Capital One Quicksilver Secured Cash Rewards Credit Card: Rewards are earned as cash back, which can be redeemed in a variety of flexible ways, such as for a statement credit or a check.

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Marriott Bonvoy Bevy® American Express® Card: Points are earned in the Marriott Bonvoy program and are primarily redeemed for free nights at participating hotels and resorts within the Marriott portfolio.

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Compare Top Rated Credit Cards with Kudos

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Kudos is an ultimate financial companion that helps you compare thousands of credit cards to find the perfect match for your spending habits.

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• Test drive credit cards using your real spending data to see personalized earnings projections before you apply, without impacting your credit score.
• Receive a detailed analysis of your approval odds for different cards based on your credit report.
• Get a welcome offer guarantee, ensuring that if you find a better offer within three months, Kudos will match it.
• Earn extra rewards on top of your card's benefits with Kudos Boost when shopping at participating stores.
• Track your progress toward earning credit card welcome offers and monitor your transactions and spending all in one place.

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 individuals looking to build or rebuild credit. This card is a great fit for those who can provide a refundable security deposit and want to earn a flat 1.5% cash back on all purchases without paying an annual fee. Ultimately, it's for the responsible user who plans to pay their balance in full each month with the goal of graduating to an unsecured card over time.

Who Should Choose the Marriott Bonvoy Bevy® American Express®?

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This card is an excellent choice for frequent Marriott guests who want to instantly upgrade their stays with complimentary Gold Elite status. It's also built for moderate-to-high spenders who can direct $15,000 in annual purchases toward the card to earn a Free Night Award (worth up to 50,000 points) and maximize 4X points on dining and at U.S. supermarkets on up to $15,000 per year (then 2X). For these travelers, the benefits can easily outweigh the $250 annual fee (see rates and fees). Terms apply.

Alternatives to Consider

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The comparison between a secured cash-back card like the Capital One Quicksilver Secured Cash Rewards and a premium travel card like the Marriott Bonvoy Bevy® American Express® Card covers a lot of ground. If you fall somewhere in the middle or are looking for something else entirely, here are a few other excellent alternatives to consider.

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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 - Most card issuers require at least good credit for approval.
• Review your budget - Make sure you can comfortably meet any spending requirements and pay your bill in full.
• Know the issuer's rules - Check for any application restrictions or limits on earning a welcome offer.

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Application Strategy

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• Use pre-approval tools - Check your eligibility without impacting your credit score when issuers offer this option.
• Understand issuer-specific rules - Some issuers limit how many cards you can apply for in a short time.
• Time your application - Apply when you have large planned purchases to help meet spending requirements.

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 credit score is needed for the Quicksilver Secured vs. the Bonvoy Bevy?

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The Capital One Quicksilver Secured is designed for individuals building or rebuilding their credit history. The Marriott Bonvoy Bevy™ American Express® Card, on the other hand, typically requires a good to excellent credit score for approval.

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How do the rewards differ between these two cards?

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The Capital One Quicksilver Secured earns a flat rate of cash back on every purchase. The Marriott Bonvoy Bevy card earns Marriott Bonvoy points, which are specifically designed to be redeemed for stays at Marriott properties and other travel rewards.

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Is a security deposit required for both cards?

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No, only the Capital One Quicksilver Secured card requires a refundable security deposit to open the account. The Marriott Bonvoy Bevy is an unsecured credit card and does not require a deposit.

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