Maximize your money and build credit—effortless rewards, no annual fee, and tools for financial success.
- 1.5% cash back on every purchase: Unlimited rewards, no categories.
- No annual fee: A student-friendly card with no maintenance costs.
- No foreign transaction fees: travel abroad without extra charges.
- Introductory APR offer: 0% APR on purchases for 15 months.
The Capital One Quicksilver Student Credit Card offers students 1.5% cash back on every purchase with no annual fee, making it easy to build credit and earn rewards. Whether it’s textbooks, groceries, or coffee, you’ll earn cash back with no category tracking or spending limits—an ideal card for students looking to maximize their money while building credit.
1.5% Cash back on every purchase
One of the best features of the Capital One Quicksilver Student Credit Card is its flat-rate 1.5% cash back on all purchases. Unlike many rewards cards that offer higher rates in certain categories but limit rewards on others, this card gives you consistent rewards on every transaction, making it easier for students who may not have predictable spending patterns.
Here’s why this benefit matters:
- No spending categories: You don’t need to keep track of specific purchase types to maximize your rewards. Whether you’re buying a bus pass, dinner with friends, or class supplies, you’ll get 1.5% cash back.
- Unlimited earnings: There’s no limit to how much you can earn. This means your cash back adds up with every purchase, and you’ll be able to redeem it in the way that suits you best.
No annual fee
- The Capital One Quicksilver Student Credit Card comes with no annual fee, which makes it even more attractive to students who are typically budget-conscious. While some cards require hefty fees to unlock the best rewards, this card allows you to earn cash back without worrying about an annual cost eating into your rewards.
Introductory APR offer
For students, an introductory 0% APR on purchases can be a lifesaver, especially when big expenses like tuition or textbooks come up. With this card, you can take advantage of 0% APR for the first 15 months on purchases, giving you some breathing room if you need to carry a balance during that time.
Keep in mind, however, that after the introductory period, the card’s variable APR will kick in, so it’s important to pay off as much of your balance as possible within those first 15 months.
Build credit responsibly
One of the primary goals for most students is to build credit so they can qualify for loans, rentals, or even job opportunities in the future. The Capital One Quicksilver Student Credit Card offers several features that help you establish and improve your credit score:
- CreditWise tool: With Capital One’s CreditWise, you can monitor your credit score for free, track changes, and get tips on how to improve your credit. This is an invaluable resource for students new to the world of credit.
- Automatic credit limit reviews: After using the card responsibly, Capital One will automatically review your account to see if you’re eligible for a credit limit increase. A higher credit limit can positively affect your credit score by improving your credit utilization ratio.
No foreign transaction fees
One of the standout features of the Capital One Quicksilver Student Credit Card is that it does not charge foreign transaction fees. This is particularly valuable for students who plan to study abroad or travel internationally. Many credit cards charge a foreign transaction fee of up to 3% on purchases made outside the United States, which can add up quickly. With this card, you can make purchases overseas without any extra charges, making it the perfect companion for your travels.
Flexible cash back redemption
Capital One offers flexible options for redeeming your cash back rewards, ensuring that you can access your rewards when and how you need them:
- Statement credit: Apply your cash back directly to your credit card balance.
- Check: Receive a physical check in the mail.
- Gift cards: Redeem your rewards for gift cards to a wide variety of retailers.
- PayPal: Use your cash back through PayPal to shop online.
These options make it easy to use your cash back in a way that fits your lifestyle, whether you want to pay down your balance or use the money toward something fun.
Additional perks
In addition to cash-back rewards and no annual fee, the Capital One Quicksilver Student Credit Card offers several other perks that enhance the card’s value:
- Travel accident insurance: Get automatic insurance coverage for accidents while traveling when you use your card to purchase your fare.
- Fraud protection: Capital One monitors your account for fraudulent activity and offers $0 fraud liability if your card is lost or stolen.
- 24/7 customer service: Access to around-the-clock support, including Capital One’s helpful mobile app for managing your account on the go.
- Extended warranty: Receive extended warranty protection on eligible purchases, giving you additional peace of mind for the items you buy with your card.
Who is this card best for?
The Capital One Quicksilver Student Credit Card is best suited for:
- Students looking to build credit: With the tools and support to help you monitor and improve your credit score, this card is an excellent choice for students just starting their credit journey.
- Frequent travelers: The lack of foreign transaction fees makes this card ideal for students who plan to study abroad or travel internationally.
- Simple cash back earners: If you want a straightforward rewards structure without having to track categories or sign up for bonuses, the flat 1.5% cash back on every purchase is hard to beat.
Is your best option?
The Capital One Quicksilver Student Credit Card is a great option for students who want to build their credit history while earning easy rewards on everyday purchases. The 1.5% cash back on every purchase, coupled with no annual fee and no foreign transaction fees, makes it an attractive option for budget-conscious students. Add in perks like 0% introductory APR on purchases and access to the CreditWise tool, and you have a comprehensive credit card solution that can set students up for long-term financial success.
With the Capital One Quicksilver Student Credit Card, you can make the most out of your everyday spending, travel without worrying about fees, and take steps toward building a strong credit score—all while earning rewards that can be redeemed flexibly. Before applying, it’s a good idea to check if you meet the card’s eligibility requirements to ensure it’s the right fit for you. Whether you’re looking to save on your next textbook purchase or jet off on a summer study abroad program, this card has you covered.
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