Capital One QuicksilverOne vs First Progress Platinum Prestige Mastercard Secured: Which Is Better In 2026?

First Progress Platinum Prestige Mastercard® Secured Credit Card Breakdown

‍

[[ SINGLE_CARD * {"id": "902", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Cash Back Seekers", "headerHint": "1% Cash Back Rewards"} ]]

‍

Why We Like It

‍

Here’s a closer look at why we recommend the First Progress Platinum Prestige Mastercard® Secured Credit Card.

‍

• Its accessible application process, which doesn't require a credit history or a hard credit pull, makes it a great starting point.
• By reporting your payments to all three major credit bureaus, this card provides a straightforward path to building or rebuilding your credit profile.
• It stands out by offering both cash back rewards and a competitive interest rate, features not commonly found on secured cards.

‍

‍

Pros

‍

• No hard credit inquiry is required to apply, which helps protect your current credit score.
• Offers cash back rewards on purchases, a rare feature for a secured card designed for credit-building.
• Provides flexible options for funding the security deposit, including the ability to pay it in installments.

‍

Cons

‍

• Charges an annual fee, which can be a significant drawback for a card meant for building credit.
• There's no path to graduate to an unsecured card; you'll have to close the account entirely to get your security deposit back.
• The card lacks modern conveniences like a mobile app, and some processes rely on slower methods like snail mail.

First Progress Platinum Prestige Mastercard® Secured Credit Card vs Capital One QuicksilverOne Cash Rewards

‍

Categories

‍

When deciding which is better, the Capital One QuicksilverOne or First Progress Platinum Prestige Mastercard Secured, it's crucial to understand that each card is tailored for different financial situations and goals.

‍

• Capital One QuicksilverOne Cash Rewards Credit Card is best for individuals with average credit who want to earn straightforward cash back rewards on all their purchases. It also suits international travelers and those interested in exclusive entertainment access.
• First Progress Platinum Prestige Mastercard® Secured Credit Card is designed for people with limited or poor credit history who need to build or rebuild their credit profile. This secured card offers an accessible approval process and the ability to earn rewards while establishing positive payment history.

‍

Redemption

‍

Capital One QuicksilverOne Cash Rewards Credit Card: You can redeem your cash back rewards in a few flexible ways, including as a statement credit to your account or by requesting a check.

‍

First Progress Platinum Prestige Mastercard® Secured Credit Card: Rewards earned with this card are typically redeemed as a statement credit, which can help lower your account balance as you work on building a positive credit history.

‍

Compare Top Rated Credit Cards with Kudos

‍

To make the best choice for your spending habits, a tool like Kudos can help you compare nearly 3,000 credit cards and see personalized, data-driven recommendations.

‍

• Test drive a credit card to see a projection of your annual rewards based on your actual spending history, without a hard credit pull.
• Receive a detailed analysis of your approval odds based on your credit report.
• Take advantage of a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
• Earn extra rewards through Kudos Boost when shopping and unlock a $100 Kudos Kickstart+ by adding select approved cards to your Kudos Wallet.
• Monitor your transactions, spending habits, and credit score all in one platform.

Who Should Choose the Capital One QuicksilverOne Cash Rewards?

‍

The Capital One QuicksilverOne Cash Rewards credit card is primarily designed for individuals with average credit scores, typically between 580 and 670, who are looking to build their credit history while earning rewards. It also appeals to everyday spenders who prefer a straightforward, flat-rate cash back program without the hassle of tracking rotating categories. Additionally, international travelers can benefit from the card's lack of foreign transaction fees, and entertainment enthusiasts gain access to exclusive ticketing opportunities through Capital One Entertainment.

Who Should Choose the First Progress Platinum Prestige Mastercard® Secured Credit Card?

‍

The First Progress Platinum Prestige Mastercard® Secured Credit Card is designed for individuals with limited or poor credit who are focused on building or rebuilding their credit history. It's particularly well-suited for those who anticipate carrying a balance occasionally, as its low 14.24% variable APR can help minimize interest charges compared to other starter cards. Additionally, since the card doesn't require a credit check for approval, it's an accessible option for applicants who want to avoid a hard inquiry on their credit report.

Alternatives to Consider

‍

If our Capital One QuicksilverOne Cash Rewards Credit Card vs. First Progress Platinum Prestige Mastercard® Secured Credit Card comparison didn't point you to the perfect card, don't sweat it. There are several other great options for building credit that might be a better match for 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

‍

• Know your credit score, as cards are designed for a wide range of credit profiles from excellent to poor.
• Assess your financial situation to ensure you can comfortably meet any spending requirements or provide a security deposit.
• Review the issuer’s rules, as some have restrictions on welcome offers for existing customers or lack upgrade paths.

‍

Application Strategy

‍

• Choose a card that matches your credit profile, whether you're building credit or have an average score.
• Understand the application's impact, as some secured cards don't require a hard credit check.
• Plan your long-term strategy, as some cards offer upgrade paths while others may need to be closed.

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 credit score do I need for the Capital One QuicksilverOne?

‍

The Capital One QuicksilverOne Cash Rewards Credit Card is generally intended for applicants with fair credit, which is typically considered a FICO score in the 580-669 range. However, issuers like Capital One look at your entire financial profile, not just your credit score, when making an approval decision.

‍

Does the First Progress Platinum Prestige Mastercard Secured graduate?

‍

No, the First Progress Platinum Prestige Mastercard® Secured Credit Card does not automatically graduate to an unsecured card. If you want an unsecured card from this issuer, you would typically need to close your secured account and apply for a new one.

‍

What is a security deposit for a credit card?

‍

A security deposit is a refundable payment required to open a secured credit card, such as the First Progress Platinum Prestige. This deposit usually determines your credit limit and serves as collateral for the lender, making it possible to get approved even with a limited or poor credit history.

‍

‍