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

First Latitude Assent Mastercard® Secured Credit Card Breakdown

‍

[[ SINGLE_CARD * {"id": "7626", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Credit Builders", "headerHint": "No Annual Fee"} ]]

‍

Why We Like It

‍

Here’s a closer look at why we recommend the First Latitude Assent Mastercard® Secured Credit Card.

‍

• It's a great tool for building credit without the burden of an annual fee.
• The card uniquely rewards you for making payments, which helps reinforce good financial habits.
• Applying is straightforward and won't negatively affect your credit score, making it accessible for those new to credit.

‍

‍

Pros

‍

• Earns rewards on payments, a rare feature for a secured card that helps reinforce good financial habits.
• The application process doesn't involve a hard credit pull, meaning it won't impact your credit score.
• It’s accessible to those with little to no credit history and reports to all three major credit bureaus to help you build a positive payment record.

‍

Cons

‍

• Carrying a balance can be costly due to the card's high interest rate.
• It doesn't offer an upgrade path to an unsecured card, so you may need to apply for a new card as your credit improves.
• To get your security deposit back, you have to close the account and mail in your physical card.

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

‍

Categories

‍

Deciding which is better Capital One QuicksilverOne or First Latitude Assent Mastercard Secured depends entirely on your personal financial needs and current credit profile.

‍

• Capital One QuicksilverOne Cash Rewards Credit Card - This card is best for credit builders who have an average credit history and want to earn straightforward rewards. It is also a good fit for everyday spenders and international travelers.
• First Latitude Assent Mastercard® Secured Credit Card - This secured card is designed for individuals who are new to credit or are actively working to repair a poor credit profile. It serves as an accessible tool for establishing a positive payment history.

‍

Redemption

‍

Capital One QuicksilverOne Cash Rewards Credit Card: This card offers straightforward cash back on every purchase, with flexible redemption options that include a statement credit or a check.

‍

First Latitude Assent Mastercard® Secured Credit Card: As a secured card designed for credit building, it does not offer a rewards program. Its primary benefit is helping cardholders establish or improve their credit history with responsible use.

‍

Compare Top Rated Credit Cards with Kudos

‍

For a more personalized comparison, tools like Kudos allow you to evaluate nearly 3,000 credit cards based on your unique spending habits.

‍

• Test drive credit cards: Simulate potential earnings from different cards using your actual spending data before you apply, with no impact on your credit score.
• Approval odds analysis: Get a detailed breakdown of your chances of being approved for a card 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.
• $100 Kudos Kickstart+: Unlock $100 in rewards by adding select approved cards to your Kudos Wallet.
• Kudos Boost: Earn extra rewards on top of your card’s regular earnings when you shop at partner stores.
• Personalized financial tools: Track spending, monitor your credit score, and get actionable insights to stay on top of your card perks.
• Autofill at checkout: The service automatically suggests and fills in the best card to use for a purchase to maximize your rewards.

Who Should Choose the Capital One QuicksilverOne Cash Rewards?

‍

The Capital One QuicksilverOne Cash Rewards Credit Card is an excellent choice for individuals with average credit scores who are looking to build their credit history while earning rewards. Its straightforward, unlimited 1.5% cash back on all purchases makes it ideal for everyday spenders who prefer a simple rewards structure without tracking rotating categories. Additionally, international travelers can benefit from no foreign transaction fees, and entertainment enthusiasts gain access to exclusive events through the Capital One Entertainment platform.

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

‍

The First Latitude Assent Mastercard® Secured Credit Card is ideal for individuals looking to build or repair their credit history, including those with bad or no credit. It serves as a practical tool for establishing a positive payment record, acting as a stepping stone toward qualifying for unsecured credit cards in the future. With no annual fee and 1% cash back on payments, it offers a low-cost way to prove financial responsibility and improve your credit score.

Alternatives to Consider

‍

If our comparison of the Capital One QuicksilverOne Cash Rewards vs. the First Latitude Assent Mastercard® Secured Credit Card has you feeling like neither option is the right fit, don't worry. There are several other excellent cards for building credit that might be better suited to your financial situation.

‍

[[ COMPARE_CARD * {"ids": ["509", "118"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Exceptional Value", "Generous Travel Rewards"]} ]]

‍

_{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.}

‍

Tips for Application Success

‍

Before You Apply

‍

• Check your credit score – Know where you stand, as some cards are designed for average credit while others require none at all.
• Plan your payments – Ensure you can pay your balance in full each month to build credit responsibly.
• Review card obligations – Understand any unique requirements, like security deposits or specific redemption rules.

‍

Application Strategy

‍

• Know the inquiry type – Some applications use a soft pull that won’t impact your credit score.
• Review issuer-specific rules – Some banks limit how many cards you can hold or have different offers for existing customers.
• Prepare for unique requirements – Be ready to fund a security deposit for a secured card if that’s the product you’re seeking.

Our Methodology

‍

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.

‍

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

‍

What is a secured credit card?

‍

A secured credit card requires a cash security deposit to open the account. This deposit typically equals your credit limit and reduces the lender's risk, making it easier for individuals with limited or poor credit history to get approved.

‍

How does a security deposit for a credit card work?

‍

When you open a secured card, you provide a refundable deposit that the issuer holds as collateral. If you manage your account responsibly and eventually close it in good standing, your deposit is returned to you in full.

‍

What credit score is needed for the Capital One QuicksilverOne card?

‍

The Capital One QuicksilverOne Cash Rewards Credit Card is generally designed for applicants with fair or average credit. This typically corresponds to a FICO score in the range of 580 to 669, though issuers consider multiple factors beyond just your credit score.

‍

‍