Capital One Quicksilver Secured Cash Rewards

Most secured cards pay nothing, which is what makes the Quicksilver Secured stand out: a flat 1.5% cash back on every purchase while you build credit, with no annual fee and no foreign transaction fees. Booking hotels and rental cars through the card's travel portal earns 5%, which is worth using on the occasional trip but is not the reason to hold the card. It ranks #2 on our secured card list, and the earn rate is why. The number to respect is the APR, a flat 28.99% with no intro period, so the deposit and the cash back only work in your favor if you pay the balance in full every month. Treat it as a credit builder that happens to pay you, not as a card to finance anything on.