Search credit cards, merchants, or spending categories

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

MASTERCARDMastercard Standard

Capital One Quicksilver Student Cash Rewards Credit Card

Annual Fee

Source: Capital One

$50

cash back · Welcome Bonus

Source: Issuer Page

Up to 5X (Car Rentals Capital One)

Highest rate (conditional)

Apply on Capital One's site

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Rewards Currency

Cash

Point Valuation

1–1 cpp (mid: 1)

Credit Required

Poor to Excellent

Welcome Offer

Bonus: $50 cash back

Spend: $100

Period: 3 months

Benefits & Perks

Insurance & Protections

Combined Protection Value

$210,000

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Extended Warranty

secondary

Details & Terms

Payment Terms

Purchase APR	18.49%–28.49% (Variable)
Foreign Transaction Fee	$0
Authorized User Fee	$0

Reviews & Analysis

Pros and 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
+Clear upgrade path to regular Quicksilver card
+Capital One mobile app with spending insights

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

Media & Resources

Card Design

Capital One Quicksilver Student Cash Rewards Credit Card card art from issuer website

Evidence Sources

Source	Verified	Citation
Capital One	—	Capital One
Usnews Review	—	Usnews Review
RewardsCC API	—	RewardsCC API
Issuer Page	Jul 29, 2026

Explore More

See all Capital Onecards →Best Cards with Purchase Protection Browse all card categories →Browse all card benefits →Browse all credit cards →

Up to 1 additional year on original manufacturer's warranty of 3 years or less.

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

Show all 7 protections

Medical identity monitoring

Complimentary HealthLock membership to monitor and protect your medical identity and data.

Travel Insurance

$200,000

Up to $200,000 in coverage. Provides accidental death and dismemberment coverage.

$10,000/item purchase protection (90 days)

$10,000secondary

Items purchased with your card are covered against damage or theft for 90 days, up to $10,000 per item, secondary to other insurance.

-Missing first year cashback match that Discover provides

Who It's Best For

Best For

✓Students who want simple flat-rate cash back without tracking categories
✓College students studying abroad (no foreign transaction fee)
✓First-time cardholders who want automatic credit limit increases

Not Ideal For

✗Students with heavy dining/entertainment spending (SavorOne Student earns more)
✗Those seeking rotating bonus categories for higher returns
✗Students who want intro APR offers for large purchases

The Math: Is $0 Worth It?

First-year value includes $50 welcome bonus

Welcome bonus$50

Annual credits (60% utilization)$0

Annual fee-$0

Net first-year value+$50

Credit Utilization (60%)

Annual credits$0

Excludes earning value, lounge access, insurance, and elite status

Total Value Captured

Annual Fee

-$0

Net Annual Value

+$0

Top brands for this card

Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.