Capital One Quicksilver Secured Cash Rewards

Most secured cards ask you to accept zero rewards while you rebuild, so a flat 1.5% back on every purchase with no annual fee is a real advantage, and it is why the Quicksilver Secured ranks #3 on our Best Secured Credit Cards list with a Best for Simplicity badge. Hotels and rental cars booked through Capital One Travel earn 5%, though that rate is tied to the portal and does nothing for bookings made directly with the hotel or rental company. The catch is a flat 28.99% APR with no intro period, which makes paying in full every month non negotiable: at that rate, interest swallows 1.5% cash back many times over. There are no foreign transaction fees, so it works abroad as well as at home. As a card to rebuild on while still earning something, it is hard to fault.