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Capital One Quicksilver Student Cash Rewards Credit Card

Credit needed
Average, Fair, Limited
APR
26.99% (Variable)
Annual Fee
$0

Card Summary

Capital One Quicksilver Student cash Rewards Credit Card offers college students a chance to improve their credit and earn solid rewards rates on all purchases.

Every dollar spent by cardholders earns them a flat 1.5% cashback. It also has no foreign transaction fees or annual fee, which makes it an attractive option to study abroad.

Capital One Quicksilver Student Rewards Credit Card Review:

This card gives college students who have at least good credit a 1.5% flat cashback rate and lets them build credit histories.

Card Summary - Cons

Rates and fees

Issuer Name
Capital One
Penalty APR
None
Credit Needed
Average, Fair, Limited
Balance Transfer Fee
This Transfer APR is $0.
Annual Fee
$0
Cash Advance Fee
The cash advance amount must not exceed $10, and 3% of it should be.
APR
26.99% (Variable)
Foreign Transaction Fee
None
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The Best Features

Solid Rewards Rate: Students who are able to pay large expenses without having to use other bonus student cards could find this card a great fit. There are no fees for the card.

Consider a credit line extension: Your credit limit may automatically be increased as soon as you open an account.

Rewards

Sign up bonus

APR Requirements

Drawbacks

There are no bonus reward categories. However, some student credit cards have higher rewards rates for certain purchases. This can prove to be advantageous if your spending is high in specific areas.

This card does not offer any introductory bonuses or a 0% Annual Percentage Rate.

High APR: Capital One Quicksilver student cash rewards credit card charges a 26.99% variable annual percentage rate.

In the U.S. News database, there is a 23.17% average APR on student credit cards.

Highlights

This card may be an option, regardless of whether you are at a community college, 4-year university or another higher education institution.

Unlimited 1.5% Cash Back on every purchase, every day. No annual fees or foreign transaction fees.

Responsible use of cards like these can build credit. Cash rewards are earned in cash. There is no need to sign up for any rotating categories.

In as little as six months, you can automatically be considered for a greater credit line.

If your card ever gets lost, stolen or fraudulently used, you are not liable for $0. Autopay will automatically make your monthly payments.

Benefits

Comparative Analysis with Other Cards

Capital One Quicksilver Credit Card Student Cash Rewards Credit Cards vs. Capital One's Journey Student Rewards

Annual Fee: There is no annual fee for the card.

Reward: With no strings attached, the Capital One Quicksilver student cash rewards credit card offers 1.5% cashback on all purchases. The Journey Student Rewards card will earn you 1% cashback on all purchases as a base rate. However, each month that you pay your bills on time, you'll get 1.25% cashback.

Sign-up bonus: New cardholders are not eligible for a sign-up bonus with the Capital One Quicksilver Students Cash Rewards Credit Card. Capital One's Journey Student Rewards offers up to $60 in streaming credit. This is $5 per month that can be used to purchase eligible streaming services.

The benefits: In just six months, both cards can automatically be considered for credit limit increases. You don't need to worry about paying foreign transaction fees when you have either of these cards.

Capital One Quicksilver Students Cash Rewards Credit card vs. Learn it Students Cash Back

Annual Fee: There is no annual fee for the card.

Reward: Every purchase with the Capital One Quicksilver student cash rewards credit card earns you a flat 1.5% Cash Back rate The Discover it Student Cash back card, on the other hand, offers 5% cashback for everyday purchases made in rotating categories. This is up to the maximum quarterly limit. You'll also earn unlimited 1% cashback on any other purchase automatically.

Sign up bonus: The Discover it Student Cash back card will give you a 100% match on all cash earned during the first year. New cardmembers of the Capital One Quicksilver Students Cash Rewards Credit Card don't get a bonus.

Benefits: While Discover cards don't have to pay a foreign transaction fee abroad, it isn’t as popular as Visa and Mastercard. The Capital One Quicksilver Student Rewards Credit Card may allow you to get a credit limit rise in as little as six months. Access to your FICO credit score is free with the Discover it Student Cash Back.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

Do You Need the Capital One Quicksilver Credit Card Student Cash Rewards?

If you are:

You are a student at college looking to improve your credit score.
You want the simplicity and flat rate of your rewards.
You are planning to study abroad, and you want to minimize foreign transaction fees.
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