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Isabella Antonelli/ EyeEm/Getty Images August 18, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Claire Dickey is a product editor for Bankrate, and . Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer. Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. If you’re looking for a that can help you build your credit without requiring a security deposit, the Capital One Quicksilver Student Cash Rewards Credit Card is a solid choice. This card is a student version of the parent card — the Capital One Quicksilver Cash Rewards Credit Card — which is one of the most popular flat-rate cash back cards out there. The Quicksilver Student can help you while earning rewards at the same time. First, here’s a quick look at the overall card details. Then, we’ll dive into the perks and benefits you need to know about. As a reminder Details of the Capital One Quicksilver Student
Rewards rate: 1.5 percent cash back on all purchases; 5 percent back on hotels and rental cars booked through Capital One Travel. Welcome bonus: $100 when you spend $100 in the first three months Annual fee: $0 Regular APR: 17.99 percent and 27.99 percent variable Capital One Quicksilver Student Cash Rewards Card benefits
The Capital One Quicksilver Student offers a number of attractive benefits for a student credit card, including and a solid welcome bonus. Here are the Quicksilver Student card benefits we picked out for you to focus on: Ongoing cash back rewards
The Quicksilver Student card offers one of the more competitive cash back rates for student cards out there. You’ll earn 1.5 percent cash back on every purchase, as well as 5 percent back on hotels and rental cars booked through the portal. The 5 percent back rate was this summer, and while it may not be applicable to students who don’t plan on traveling much while in school, it’s still a valuable perk to have in your back pocket. Variety of redemption options
You can easily redeem the rewards you earn on this card, either automatically when you earn a certain amount ($25, $50, $200, $500 or $1,500) or at certain dates you decide on. There’s no minimum amount to redeem your cash back rewards, and you can redeem them in the form of a statement credit, mailed check, credit on a prior purchase, gift card or checkout payment on Amazon.com or PayPal. First-year welcome bonus
The Capital One Quicksilver Student offers a welcome bonus that’s easy to earn. You’ll receive $100 when you spend $100 in the first three months. Considering you only have to spend $33 per month to earn this reward, this cash back bonus offer is one of the most accessible for students. No annual fee
This student card doesn’t charge an annual fee, meaning there’s no yearly cost for owning it — and no pressure to earn enough rewards to make up for it. Capital One Entertainment and Dining
With the Quicksilver Student, you get access to , which offers special rates on dining, music, sports events, comedy and theater and more. Given the range of events and offers, you’ll likely be able to take advantage of these competitive deals. You’ll also have access to Capital One Dining, which grants cardholder-only reservations to award-winning restaurants and unique culinary events. Travel and purchase protections
You’ll receive extended warranty protection on eligible items you purchase with this card. The card’s 24-hour travel assistance services will provide you with an emergency replacement card and a cash advance if your card is lost or stolen. Fraud protection and credit monitoring tools
This card protects you from being responsible for any unauthorized charges. You’ll also have access to a number of credit monitoring tools, including the ability to receive alerts when one of the reports changes or unexpected charges on your card. No foreign transaction fees
You won’t have to pay any when you use the Capital One Quicksilver Student outside of the U.S., making it a or vacation. Maximizing the Capital One Quicksilver Student Cash Rewards Card
To make the most of the Quicksilver Student, you’ll want to make sure to pay your card in full and on time each month. This card has a variable APR between 17.99 percent and 27.99 percent and doesn’t offer an introductory APR period, meaning you won’t have any wiggle room when it comes to paying your card on time within the first few months. Further, the Quicksilver Student will not waive its late fee the first time you miss a payment (unlike some other student credit cards), so paying your bill even one day late might mean all your rewards will be eaten up by late fees. You’ll also want to make sure you take a closer look at all the benefits available, such as Capital One Entertainment and Dining access. Given the wide selection, there may be tickets for events you’re already planning to attend, which means you’ll easily save money. Lastly, if you have any trips coming up (think: fall, winter or spring break plans), be sure to try and take advantage of booking through the Capital One Travel portal in order to hit that 5 percent cash back rate on hotels (and rental cars). The bottom line
The is a great option for a student card. Its competitive, flat cash back rate, lack of an annual fee and list of benefits make it stand out against other competing student cards. That being said, you may earn more rewards with a student card that offers higher bonuses for specific spending categories. Be sure to check out our guide to the before making a decision. SHARE: Claire Dickey is a product editor for Bankrate, and . Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer.