Capital One Quicksilver Secured Cash Rewards vs Chime Credit Builder Visa®
Side-by-side comparison
| Capital One Quicksilver Secured Cash Rewards | Chime Credit Builder Visa® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | No current offer | No current offer |
| Dining | 1.5x | 2x |
| Groceries | 1.5x | 2x |
| Gas | 1.5x | 2x |
| Travel | 1.5x | 2x |
| Streaming | 1.5x | 1x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $437 | $421 |
| Points type | Cash back only | Cash back only |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Capital One Quicksilver Secured Cash Rewards | Chime Credit Builder Visa® |
|---|---|---|
| Welcome bonus | None | None |
| To earn it | No minimum spend | No minimum spend |
| Est. first-year value* | $437 | $421 |
| Est. ongoing value / yr* | $437 | $421 |
The Capital One Quicksilver Secured Cash Rewards wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Capital One Quicksilver Secured Cash Rewards | Chime Credit Builder Visa® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Cash back only | Cash back only |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Capital One Quicksilver Secured Cash Rewards earns about $437 a year in rewards and the Chime Credit Builder Visa® about $421, valuing every point at a flat 1 cent. The Capital One Quicksilver Secured Cash Rewards has no annual fee, so its rewards are all profit. The Chime Credit Builder Visa® has no annual fee, so its rewards are all profit. These two are about as close as cards get: their category rates line up almost exactly, neither charges an annual fee, and on that spending they finish within $16 of each other. The choice is not really about the rewards rate. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use.