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Capital One Quicksilver Secured Cash Rewards vs Mission Lane Visa®: Which Earns More?

Melvyn Kim
Founder & Editor · Published July 29, 2026
B.A. Economics

The verdict

On typical spending the Capital One Quicksilver Secured Cash Rewards nets $432 a year after fees, $59 more than the Mission Lane Visa® at $373. The Capital One Quicksilver Secured Cash Rewards stays ahead at every spending level we model.

Who earns more, by the numbers

Spending levelCapital One Quicksilver Secured Cash RewardsMission Lane Visa®Winner
Light spender ($1,200/mo)$216/yr$157/yrCapital One Quicksilver Secured Cash Rewards
Typical spender ($2,400/mo)$432/yr$373/yrCapital One Quicksilver Secured Cash Rewards
Heavy spender ($4,500/mo)$810/yr$751/yrCapital One Quicksilver Secured Cash Rewards

Net of annual fees, typical category mix at baseline point values. The same card wins at every spending level here.

Capital One Quicksilver Secured Cash Rewards

Capital One

3.1/5
Annual Fee:$0
APR:30.74% variable
Welcome Bonus: None
Rewards: Unlimited 1.5% cash back on every purchase
EARNS MORE ON TYPICAL SPEND

Mission Lane Visa®

Mission Lane

2.4/5
Annual Fee:$0-$59 (varies based on creditworthiness)
APR:26.99%-35.99% variable
Welcome Bonus: No welcome bonus
Rewards: 1%-1.5% cash back on all purchases (rate varies by account)

The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.

FAQ

Which is better, the Capital One Quicksilver Secured Cash Rewards or the Mission Lane Visa®?
On typical spending the Capital One Quicksilver Secured Cash Rewards nets $432 a year after fees, $59 more than the Mission Lane Visa® at $373. The Capital One Quicksilver Secured Cash Rewards stays ahead at every spending level we model.
What is the annual fee difference between the Capital One Quicksilver Secured Cash Rewards and the Mission Lane Visa®?
The Capital One Quicksilver Secured Cash Rewards charges no annual fee, versus $59 for the Mission Lane Visa® — a $59 difference every year.