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Capital One Quicksilver Student Cash Rewards Credit Card Review
February 6, 2025
The Capital One Quicksilver Student Cash Rewards Credit Card has emerged as a compelling option for students looking to build their credit while earning rewards. This comprehensive review explores everything you need to know about this student-focused credit card, from its rewards structure to eligibility requirements.
What Is The Capital One Quicksilver Student Cash Rewards Credit Card?
The Capital One Quicksilver Student Cash Rewards Credit Card is a no-annual-fee credit card designed specifically for students who want to earn cash back while building their credit history. It offers unlimited 1.5% cash back on all purchases, plus elevated rewards on travel booked through Capital One Travel.
What sets this card apart is its combination of student-friendly features and premium benefits typically reserved for non-student cards. With 5% cash back on hotels and rental cars booked through Capital One Travel, access to exclusive entertainment events, and comprehensive digital tools, it's positioned as more than just an entry-level student card.
Capital One Quicksilver Student Cash Rewards Credit Card Pros & Cons
Let's examine the key advantages and disadvantages of this card:
Pros:
- Unlimited 1.5% cash back on all purchases with no rotating categories to track
- No annual fee or foreign transaction fees
- 5% cash back on hotels and rental cars booked through Capital One Travel
- Access to Capital One Entertainment for exclusive tickets and VIP packages
- Robust mobile app with advanced security features and fraud alerts
- Automatic credit line reviews for potential increases
Cons:
- Higher variable APR compared to some other student credit cards
- No introductory APR offer for purchases or balance transfers
- Requires student status verification
- Cash advance fees are relatively high
- May require a minimum credit score for approval
Who Is The Capital One Quicksilver Student Cash Rewards Credit Card For?
This card is ideally suited for:
Students Building Credit
The card is perfect for students with limited credit history who want to establish their credit file. Capital One reports to all three major credit bureaus, helping students build their credit score with responsible use.
International Students
With no foreign transaction fees and worldwide acceptance, it's an excellent choice for international students or those planning to study abroad.
Frequent Travelers
The 5% cash back on hotels and rental cars booked through Capital One Travel makes it attractive for students who travel regularly.
Comparing The Capital One Quicksilver Student Cash Rewards Credit Card With Other Cards
When considering the Capital One Quicksilver Student Cash Rewards Credit Card, it's helpful to compare it with other popular options in the cashback credit card category:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores, 1.5% on all other purchases
- Standout feature: Flexible redemption options including cash back, travel, and gift cards
Capital One Savor Cash Rewards Credit Card (rates & fees):
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Everyday® Card from American Express (rates & fees):
- Annual fee: $0
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 3% at U.S. supermarkets (up to $6,000 per year, then 1%), 3% cash back up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: This card offers a generous intro of APR on purchases and balance transfers
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.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Capital One Quicksilver Student Cash Rewards Credit Card excels in having student-friendly features and premium benefits
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One Savor Cash Rewards Credit Card rewards dining and entertainment spending
- Blue Cash Everyday® Card from American Express provides strong rewards on everyday purchases
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Consider Using Kudos
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- Automatically identify opportunities to earn bonus rewards
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- Find the best times to use your card for maximum returns
- Discover additional ways to multiply your rewards up to 5X during Flash Boost events
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Our Expert Takeaway
The Capital One Quicksilver Student Cash Rewards Credit Card stands out as a solid choice for students seeking a straightforward rewards card. Its combination of no annual fee, flat-rate cash back, and premium travel benefits makes it a valuable tool for building credit while earning rewards.
Capital One Quicksilver Student Cash Rewards Credit Card FAQ
What credit score do I need to get approved?
While Capital One doesn't specify a minimum credit score, this card is designed for students with limited to fair credit (typically 580-670 FICO score).
How do I redeem my cash back rewards?
You can redeem rewards as statement credits, gift cards, or direct deposits with no minimum redemption requirement.
Is student status required for this card?
Yes, you must be currently enrolled in a college or university to qualify for this card.
What is the credit limit for new cardholders?
Initial credit limits vary based on factors including income and credit history, typically starting at $500.
Does the card offer purchase protection?
Yes, the card includes network-level benefits such as extended warranty protection and purchase security.
How long does it take to get approved?
Most applications receive an instant decision, though some may require additional verification.
Can international students apply?
Yes, international students can apply but may need to provide additional documentation.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
