Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.
The Capital One Quicksilver Student Cash Rewards Credit Card is a good choice for students who prefer earning cash back but don’t want to keep track of multiple bonus categories. There’s a limited-time welcome bonus offer of Capital One Quicksilver Student Cash Rewards Credit Card. Plus, it just added 10% back on Uber/Uber Eats and a complimentary Uber One membership through November 14, 2024.
Review: Is the Capital One Quicksilver Student Cash Rewards the best credit card for you?
No matter what you’re studying in college, there is one crucial piece you’ll need for a successful future: a solid credit score. The Capital One Quicksilver Student Cash Rewards Credit Card can help you begin building that track record of on-time payments and responsible financial management.
The card has a straightforward earning structure: You’ll earn 1.5% cash back on every purchase you make with it (except hotel and car rental purchases made through Capital One Travel, which earn 5% cash back), and you won’t pay an annual fee for the card. In addition, through November 14, 2024, cardholders earn unlimited 10% cash back on Uber/Uber Eats purchases, and can activate a complimentary Uber One membership for ride discounts and perks.
There are a few key reasons why the Capital One Quicksilver Student Cash Rewards Credit Card is an appealing option for anyone enrolled in a higher education institution. First, the 1.5% cash-back rewards rate is on par with the same type of rewards the bank offers for individuals with excellent credit. Consider it the grown-up earnings rate for a not-fully-grown-up student.
For a limited time, the Capital One Quicksilver Student Cash Rewards Credit Card comes with a welcome bonus offer of Capital One Quicksilver Student Cash Rewards Credit Card.
Second, the card comes with some of the VIP-style benefits associated with cards for those who have already earned their diplomas and entered the professional world. You’ll get a complimentary concierge service and access to Capital One’s travel portal, Capital One Dining, and Capital One Entertainment.
Third, if you’re planning to study outside the US during your time in college, this is an especially good choice. The card’s 24-hour travel assistance services, coupled with no foreign transaction fees make this card a great companion for getting even further away from home.
The downside here is that the card doesn’t always come with a welcome bonus, which some other student credit cards offer. The Discover it® Student Cash Back comes with the promise of matching all your cash back earned at the end of the first year, and the Chase Freedom® Student credit card will give you a Chase Freedom® Student credit card.
As you compare student credit cards, there’s another key lesson you must follow: avoid carrying a balance, which will rack up finance charges and put you on a path toward debt. That’s especially true with the Capital One Quicksilver Student Cash Rewards Credit Card, because the APR is Capital One Quicksilver Student Cash Rewards Credit Card.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
How to earn rewards from the Capital One Quicksilver Student Card
Use your Capital One Quicksilver Student Cash Rewards Credit Card for any of your purchases, and you’ll earn cash back every time. There’s no maximum limit to what you can earn, and there are no quarterly categories to track.
Cardholders earn:
10% cash back on Uber and Uber Eats (through November 14, 2024)5% cash back on hotels and car rentals booked through Capital One Travel1.5% cash back on all other purchases
While you’ll find that many other credit cards do come with extra earnings on certain purchases — 5x at restaurants for a three-month period, for example — monitoring those shifts can create extra work when you’re already managing your course load at school.
How to use rewards
You can either request a statement credit, effectively paying off some of your other purchases, or you can request a physical check to be mailed to you. There’s no minimum redemption amount.
You can also cash in your rewards for gift cards to a range of retailers, but redemption rates vary.
Capital One Quicksilver Student Card benefits and features
This card packs a pretty solid punch in terms of benefits and perks. While student credit cards tend to have fairly limited reasons to celebrate, the Capital One Quicksilver Student Cash Rewards Credit Card earns an A.
Complimentary Uber One membership
Along with earning 10% back on Uber and Uber Eats purchases until November 14, 2024, Capital One Quicksilver Student Cash Rewards Credit Card holders can activate a complimentary Uber One membership Uber or Uber Eats app or website until the same date. Your Capital One Quicksilver Student Cash Rewards Credit Card must be registered as payment for the Uber One membership in your Uber account to receive the benefit, and you’ll receive a statement credit each month for the charge.
An Uber One membership normally costs $9.99 per month, and gets you perks that can save you a ton of money if you’re a frequent Uber/Uber Eats user:
Uber One membership benefits:
Unlimited $0 delivery fees on eligible food, groceries, and other Uber Eats orders (order must be at least $15 from non-grocery stores, and at least $30 from grocery stores)Up to 10% off eligible orders with Uber Eats (doesn’t apply to grocery orders)Up to 5% off eligible rides with Uber (doesn’t apply to shared rides or rides booked 30 minutes or more in advance)Access to exclusive member-only perks and promotions
Price protection
If you find a lower price on a new item paid for with your Capital One Quicksilver Student Cash Rewards Credit Card within 120 days of purchase, you could be reimbursed for the difference.
Extended warranty
The Capital One Quicksilver Student Cash Rewards Credit Card automatically doubles the original manufacturer’s or store’s warranty on eligible purchases paid for with the card.
Car rental coverage
When you use the Capital One Quicksilver Student Cash Rewards Credit Card to pay for your eligible car rental, you may be covered for physical damage and theft of the vehicle.
Roadside dispatch
Capital One Quicksilver Student Cash Rewards Credit Card cardholders get access to a 24-hour toll-free dispatch line that can help arrange services like towing, fuel delivery, and more for a flat fee.
Concierge services
When you’re looking for reservations for dinner, trying to find tickets to that summer music festival, or planning a vacation, you can take advantage of 24/7/365 concierge assistance.
Travel accident insurance
If you purchase your fare with your Capital One Quicksilver Student Cash Rewards Credit Card, you may get insurance coverage for eligible losses.
Capital One Travel
Capital One Travel was recently expanded to more cardholders, including folks with the Capital One Quicksilver Student Cash Rewards Credit Card. Through Capital One Travel, you can use rewards (or your card) to book flights, hotels, and rental cars. Hotel and car rental purchases earn 5% cash back, and you’ll also get access to handy features like price prediction, price watch, and a price match guarantee.
Capital One Entertainment
Capital One Entertainment is a new platform that gives you access to exclusive experiences, concert and theater tickets, festivals, sporting events, and more. Cardholders can redeem rewards from their card to pay for these experiences, or for some experiences, use cash or a combination of rewards and cash.
Capital One Dining
If you’ve ever found it tough to score a reservation at popular high-end restaurants, the Capital One Dining platform could make your life easier. In addition to giving you access to hard-to-get reservations, it allows you to input information like dietary preferences and special events like birthdays into your profile. This program is currently only available in a few major metropolitan areas, but if it’s in your city it could prove to be a useful feature.
Capital One CreditWise
Capital One CreditWise is a free program that offers credit and identity theft monitoring. It’s available to anyone — you don’t need the Capital One Quicksilver Student Cash Rewards Credit Card to enroll — but it’s a useful feature, especially if you’re a student just starting out with credit and want to keep an eye on changes to your credit score.
Fees and costs
There is no annual fee on this card, which is something you’ll find with any good credit card for students. You’re already paying plenty of money for tuition, room, and board, so this is not the time to add another line item to your expenses.
As long as you make your payments on time, there aren’t any other fees and costs you need to worry about with this card. And as long as you make those payments in full, you’ll come out on the winning end of the rewards game.
Plus, that good behavior will put you in a position to continually increase your credit score so you can take advantage of some of the best rewards credit cards after you graduate.
Comparison: Capital One Quicksilver Student vs other Capital One cards
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
Journey Student Rewards from Capital One
Annual fee
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
Journey® Student Rewards from Capital One®
Rewards rate
10% back on Uber and Uber Eats purchases through November 14, 2024
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on all purchases
10% back on Uber and Uber Eats purchases through November 14, 2024
5% cash back on hotels and rental cars booked through Capital One Travel
3% cash back on dining
3% cash back on entertainment,
3% cash back on popular streaming services
3% cash back at grocery stores (excluding Walmart and Target)
1% cash back on all other purchases
5% cash back on hotels and rental cars booked through Capital One Travel
1% cash back on all other purchases (1.25% cash back if you pay on time that month)
Welcome bonus
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
N/A
Card benefits
Price protection***
Extended warranty***
Car rental coverage***
Roadside dispatch***
Travel accident insurance***
Complimentary concierge services
Free credit monitoring with CreditWise from Capital One
Price protection***
Extended warranty***
Car rental coverage***
Roadside dispatch***
Travel accident insurance***
Complimentary concierge services
Free credit monitoring with CreditWise from Capital One
Free credit monitoring with CreditWise from Capital One
Review
Capital One SavorOne Student Cash Rewards card review
Capital One Journey Student Rewards card review
Capital One Quicksilver Student vs other student credit cards
Capital One Quicksilver Student Cash Rewards Credit Card
Chase Freedom® Student credit card
Discover it® Student Cash Back
Annual fee
Capital One Quicksilver Student Cash Rewards Credit Card
Chase Freedom® Student credit card
Discover it® Student Cash Back
Rewards rate
10% back on Uber and Uber Eats purchases through November 14, 2024
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on all purchases
5% cash back on Lyft rides through March 2025
1% cash back (1x points) on all purchases
5% cash back in categories that rotate each quarter on up to $1,500 in combined spending when you activate (then 1%) Discover It Cashback rotation
1% cash back on all other eligible purchases
Welcome bonus
Capital One Quicksilver Student Cash Rewards Credit Card
Chase Freedom® Student credit card
None, but Discover will match all the cash back you earned after the first 12 months
Card benefits
Price protection***
Extended warranty***
Car rental coverage***
Roadside dispatch***
Travel accident insurance***
Complimentary concierge services
Free credit monitoring with CreditWise from Capital One
$20 annual Good Standing Reward
Trip cancellation/interruption insurance
Purchase protection
Extended warranty
$10 per month Gopuff credit
Free credit score with Chase Credit Journey
Discover it® Student Cash Back (then Discover it® Student Cash Back)
Free FICO® credit score
No late payment fee on your first late payment (then up to $41)
Review
Chase Freedom Student credit card review
Discover It Student Cash Back card review
Capital One Quicksilver Student Card frequently asked questions (FAQ)
What credit score do I need to be approved for the Capital One Quicksilver Student Card?
Most college students are still working on building their credit, so Capital One only requires “fair” credit or better to qualify for the Capital One Quicksilver Student Cash Rewards Credit Card.
Capital One’s definition of fair credit says you’ve either defaulted on a loan in the past five years, or you have limited credit history and have only had your own credit card or other credit for less than three years (including students, people new to the US, or authorized users on someone else’s credit card).
In terms of FICO score, fair credit is considered anything between 580 and 669. If you’re new to credit cards, your score will probably be in the fair credit range, which makes it easier to get approved for this card than non-student credit cards.
How old do I have to be to open a student credit card?
You must be at least 18 years old to apply for your own credit card. If you’re between 18 and 20, you’ll also need to show proof of income (or have a co-signer) to be approved.
If you’re under 18 but want a credit card, your best bet is to become an authorized user on a family member’s or friend’s credit card. This can also give your credit history a boost, as long as the primary cardholder has a good credit score.
Do I have to do anything to earn 10% back on Uber/Uber Eats purchases?
As long as you’ve got your Capital One Quicksilver Student Cash Rewards Credit Card loaded to your Uber account as your primary payment method, you don’t have to do anything else to activate earning unlimited 10% cash back on Uber purchases through November 14, 2024.
Do I have to actually be a student to get the Quicksilver student card?
Yes, you must be a college student currently enrolled (or admitted and planning to enroll in the next three months) at an accredited university, community college, or other higher education institution.
What happens to my Capital One student credit card when I graduate?
Once you finish college, you’ll still get to keep your Capital One card, as well as any rewards you’ve earned.