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Capital One Quicksilver Student Cash Rewards

Cash Back Rewards

Rewards Value
star 3
Features
3
APR
3
Rewards Flexibility
2
Issuer Customer Experience
3

Rewards Rate

1.5%

cash back on everyday purchases

10%

cash back on qualifying purchases through Uber Eats and Uber

5%

cash back on rental cars and accommodations through Capital One Travel

Welcome Bonus

This card comes with the “New Cardmember Offer.” With this one-time welcome offer, you can receive $50 as a cash bonus after spending $100 on purchases within the first 3 months of opening an account.

APR

or 19.99-29.99% Variable APR

Pro & Cons

  • pros icon Low requirements to open an account
  • pros icon Offers 1.5% unlimited cash back on all purchases
  • pros icon No annual fee or foreign transaction fees
  • pros icon Access to Capital One Dining, Entertainment, and Travel
  • pros icon Additional 5% cash back on hotels and rental cars through Capital One Travel
  • pros icon Additional 10% cash back on qualifying purchases in Uber and Uber Eats (valid through November 14, 2024)
  • cons icon Not a high-tier rewards card
  • cons icon New cardmember welcome offer is only $50
  • cons icon

Capital One Quicksilver Student Cash Rewards

The Capital One Quicksilver Student Cash Rewards Credit Card is designed specifically for students looking to build credit and earn cash back. It comes with 1.5% unlimited cash back rewards on everyday purchases. It also has no annual fee, making it a solid choice for students who don’t want to worry about spending extra money to keep their credit card account open.

student

SavorOne Student Cash Rewards

SavorOne Student Cash Rewards
6
star star star star star

Good for:

Cash Back Rewards

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10%

cash back on purchases with Uber and Uber Eats (ends Nov. 14, 2024)

8%

cash back purchases made through Capital One Entertainment

5%

cash back on rental cars and hotels booked through Capital One Travel

3%

cash back on qualifying entertainment purchases, dining, popular streaming services, and at grocery stores

1%

cash back on all other purchases

Rewards

Capital One Walmart Rewards® Mastercard®

Capital One Walmart Rewards® Mastercard®
6
star star star star star

Good for:

Cash Back Rewards

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5%

cash back when using Walmart.com or the app for delivery or pickup purchases only

2%

cash back for purchases at Walmart stores in the U.S. and Puerto Rico, as well as at Murphy USA gas stations

3%

additional cash back (totaling 5%), when using Walmart Pay for purchases within the first 12 months at Walmart Stores

2%

cash back when purchasing gift cards through Walmart

1%

cash back on purchases made at Sam’s Club and its gas station

Cash back

Capital One Quicksilver Secured Cash Rewards

Capital One Quicksilver Secured Cash Rewards
6
star star star star star

Good for:

Flat-Rate Cash Back

See your approvle odds
5%

cash back when using Capital One Travel to book a rental car or hotel

1.5%

cash back on everyday purchases

Rewards Redemption

To redeem your Capital One Quicksilver Student Cash Rewards Credit Card’s points, you can request them in the form of a check, as a gift card, or as a statement on your balance. Or you can set up automatic redemption, which occurs on specific dates or once you’ve accumulated enough points.
You can also use your rewards at Amazon, through PayPal, or via Capital One Shopping. Rewards never expire except in the event of account closure.

Terms, Rates and Fees

Capital One’s Quicksilver Student Cash Rewards Credit Card comes with a variable APR ranging from 19.99% to 29.99%, depending on creditworthiness and the current Prime Rate. It’s designed for students with a Fair credit rating or better.
With this card, there are no annual fees or foreign transaction fees. There may be a 3% balance transfer fee, however. Cash advances come with a $3 or 3% fee, whichever is greater. There is also a late payment fee of $40.

The required minimum payment depends on the current balance. Generally, it’s either $25 or 1% of your balance plus any interest charges, past-due amounts, or related fees. For the most part, these fees are fairly standard for a card like this.

Maximize Benefits and Avoid Fees

Here’s how to get the most out of this card and avoid any fees:

  • Spend at least $100 in the first 3 months of opening an account to receive a one-time value offer of $50.
  • For an ongoing value benefit, pay off the full account balance every month to avoid potentially high interest charges.
  • Make all payments on time to avoid late charges and build credit.
  • Make qualifying purchases through Uber Eats or Uber (via the app) to earn up to 10% cash back.
  • Prioritize purchases made through Capital One Travel — such as on rental cars and hotels — to earn 5% cash back.
  • For the greatest ongoing value, use this card for everyday purchases to earn 1.5% unlimited cash back and pay off the full balance each month.

How to Apply

  • Begin the application process by heading to Capital One’s main page.
  • Hover over credit cards and click “Student Rewards” to be taken to the card issuer’s student credit cards.
  • Select “Quicksilver Rewards for Students” to see more information about this particular card.
  • Review the information and, when you’re ready, start the application by clicking “Apply Now.”
  • This will take you to the online application where you’ll need to provide some personal, contact, and financial information. This includes your name, SSN or individual Tax Identification Number, citizenship status, residential address, email address, phone number, and income. You’ll also need to answer whether you're a student and what type of degree you’re pursuing.
  • Read through the important disclosures before clicking “Continue.”
  • Review your information carefully and make any necessary changes.
  • If everything looks good, continue to submit the application.

Qualification Requirements

  • Fair credit (580+ FICO)
  • No active bankruptcy
  • Must be a student
  • Must be 18 years or older
  • Proof of sufficient income
  • Must have a residential address in one of the 50 states, Washington, D.C., Puerto Rico, or a U.S. military location

Requirement

Description

Credit score & credit history

Fair (580)
Must not have a non-discharged bankruptcy

Income

Must be at least $425 higher than your monthly rent or mortgage payment

Job-status

Proof of employment required (e.g., full-time, part-time, self-employed, seasonal, public assistance, retirement, etc.)
May include shared income from someone else if you’re 21 or older

Citizenship/residency

Must have a physical address in the United States, Puerto Rico, or a U.S. military location

Age

18+ 

Required documents

SSN or individual Taxpayer Identification Number

What Makes This Card Appealing?

The main thing that makes the Quicksilver Student Cash Rewards Credit Card so appealing is the low credit score requirement and 1.5% unlimited cash back rewards on everyday purchases. It also has very few fees that make it more viable for current students to manage while pursuing their education and building credit.