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

First Latitude Assent Mastercard® Secured Credit Card Breakdown

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Why We Like It

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This section breaks down the key reasons we recommend the First Latitude Assent Mastercard® Secured Credit Card.

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• It reports your activity to all three major credit bureaus, which is essential for building or rebuilding your credit history.
• The card offers a rare rewards program that encourages responsible payment habits.
• Applying is accessible for those with poor or no credit history and won’t impact your credit score.

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Pros

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• There is no annual fee, making it a cost-effective option for building credit.
• Cardholders can earn rewards when they make payments toward their balance, an uncommon feature for secured cards.
• Your security deposit is fully refundable when you close the account in good standing.

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Cons

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• The card has a high interest rate, which can lead to costly charges if you carry a balance.
• There is no clear path to graduate to an unsecured card or receive automatic credit line increases.
• A security deposit is required, and the process to get it refunded when closing the account is inconvenient.

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

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Categories

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Deciding which is better, Capital One Quicksilver or First Latitude Assent Mastercard Secured, depends entirely on your financial goals. These two cards serve very different purposes, one focusing on rewards for spending and the other on building credit.

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• Capital One Quicksilver Cash Rewards Credit Card is a great option for earning straightforward cash back rewards. It's designed for everyday spenders who value simplicity over tracking complex reward categories.
• First Latitude Assent Mastercard® Secured Credit Card is designed for individuals who are building or repairing their credit history. This card is ideal for establishing a positive payment record with the major credit bureaus.

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Redemption

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Capital One Quicksilver Cash Rewards Credit Card: You can redeem your cash back rewards for a statement credit or a check, offering a straightforward way to get value from your spending. The redemption process is designed for simplicity and flexibility.

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First Latitude Assent Mastercard® Secured Credit Card: This card does not feature a rewards program for redemption. The main financial "redemption" comes in the form of potentially getting your security deposit back after establishing a history of responsible use.

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Compare Top Rated Credit Cards with Kudos

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For a more personalized approach, a financial companion like Kudos helps you compare thousands of credit cards using a data-driven explorer tool.

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• Test drive credit cards: Before you apply, you can simulate your potential earnings on any card using your real spending data—without impacting your credit score.
• Personalized recommendations: The platform matches you with cards that will earn you the most rewards based on your unique spending habits.
• Detailed approval odds: Get a comprehensive analysis of your approval chances based on your credit report.
• Welcome offer guarantee: If you find a better welcome offer for a card you got through Kudos within three months, Kudos will match it.
• Kudos Kickstart+: You can unlock $100 in rewards by adding certain approved cards to your Kudos Wallet.

Who Should Choose the Capital One Quicksilver Cash Rewards?

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The Capital One Quicksilver Cash Rewards Credit Card is an excellent choice for individuals who prioritize simplicity and want to earn cash back without the hassle of tracking rotating categories or spending caps. Its straightforward, flat 1.5% cash back on every purchase makes it perfect for everyday spenders who don't want to juggle multiple cards for different types of expenses. Additionally, frequent travelers will appreciate the lack of foreign transaction fees, making it a versatile card for both domestic and international use.

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

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The First Latitude Assent Mastercard® Secured Credit Card is specifically designed for individuals who are building or repairing their credit. This includes those with a limited or damaged credit history, people just starting their financial journey, or anyone who may not qualify for a traditional unsecured card. It's best used as a tool to establish a positive payment history with all three major credit bureaus, helping you work your way toward better credit products in the future.

Alternatives to Consider

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If the Capital One Quicksilver vs First Latitude Assent Mastercard® Secured Credit Card comparison shows that neither card is quite right for you, don't worry. We've rounded up a few other excellent alternatives to consider.

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_{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.}

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Tips for Application Success

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Before You Apply

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• Check your credit score: Your score helps determine which cards you are likely to be approved for.
• Understand the requirements: Be sure you can meet any spending goals or other prerequisites for approval.
• Align the card with your goals: Ensure the card’s benefits match your spending habits and financial objectives.

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Application Strategy

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• Time your application: Align your application with large planned purchases to help meet spending requirements for a welcome offer.
• Research issuer rules: Approval criteria vary widely, from cards requiring good credit like the Capital One Quicksilver to secured cards for building credit.
• Look for soft pulls: Some issuers let you check for approval with a soft inquiry, which has no impact on your credit score.

Our Methodology

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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.

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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

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What is a secured credit card?

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A secured credit card requires a cash security deposit that typically determines your credit limit. These cards are designed for individuals who are building or rebuilding their credit history.

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How do I get my security deposit back from a secured card?

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Typically, you can get your security deposit back when you close the account in good standing or when the issuer graduates you to an unsecured card. The deposit is usually refunded, minus any outstanding balance or fees you may owe.

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Do secured cards build credit the same way as unsecured cards?

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Yes, as long as the card issuer reports your account activity to the three major credit bureaus, a secured card can be just as effective for building credit. Making on-time payments is the most crucial factor for improving your credit score with either type of card.

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