Should I get the Capital One Quicksilver Student Cash Rewards Credit Card or the Fidelity Rewards Visa Signature Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Capital One Quicksilver Student Cash Rewards Credit Card vs Fidelity Rewards Visa Signature Card

Both cards cost $0/yr. The Capital One Quicksilver Student Cash Rewards Credit Card leads on everyday spending; the Fidelity Rewards Visa Signature Card on everyday spending.

Card data as of September 27, 2026.

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One

Fidelity Rewards Visa Signature Card

Elan Financial

Fees & Welcome Offer

Annual Fee

Welcome Bonus

$50 cash back

$150 cash back

Earn Rates

Benefits & Features

Network

MASTERCARD

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Fidelity Rewards Visa Signature Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Capital One Quicksilver Student Cash Rewards Credit Card	Fidelity Rewards Visa Signature Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $170	Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $390	Fidelity Rewards Visa Signature Card	Fidelity Rewards Visa Signature Card
Heavy spender: $4,000/month	Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $530	Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,110

The Bottom Line

Both scenarios favor the Fidelity Rewards Visa Signature Card on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Capital One Quicksilver Student Cash Rewards Credit Card or Fidelity Rewards Visa Signature Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Capital One Quicksilver Student Cash Rewards Credit Card or the Fidelity Rewards Visa Signature Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Capital One Quicksilver Student Cash Rewards Credit Card — Full Review All Capital One Cards

Fidelity Rewards Visa Signature Card — Full Review All Elan Financial Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Elan Financial cards

Pros & Cons

Pros

+Simple unlimited 1.5% cash back on all purchases
+No annual fee ever
+No foreign transaction fee for study abroad
+Automatic credit limit increase review after 6 months
+Reports to all 3 credit bureaus

+True 2% unlimited cash back on all purchases with no annual fee
+Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
+No minimum redemption threshold (rewards deposit automatically)
+$150 welcome bonus after $1,500 spend in 90 days
+Visa Signature benefits: extended warranty, purchase protection, concierge

Cons

−Lower reward rate than category cards for specific spending
−No intro APR offer
−No good grades bonus like Discover offers
−Welcome offer requires spend but bonus amount not specified
−Missing first year cashback match that Discover provides

−Requires Fidelity account for redemption (cannot get cash to bank account)
−1% foreign transaction fee makes it unsuitable for international travel
−Not flexible if you ever want to leave Fidelity
−No premium travel benefits or lounge access
−Issued by Elan Financial Services, not Fidelity directly (customer service may vary)