Capital One Quicksilver Student Cash Rewards Credit Card
- Annual Fee
- $0
- cash back · Welcome Bonus
- $50
- Highest rate (conditional)
- Up to 5% (Car Rentals Capital One)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard Standard
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Poor to Excellent
Welcome Offer
Bonus: $50 cash back
Spend: $100
Period: 3 months
Earning Rates
- 5%
Car Rentals Capital One
Earn unlimited 5% cash back on rental cars booked through Capital One Travel
- 5%
Hotels Capital One
Earn unlimited 5% cash back on hotels booked through Capital One Travel
- 5%
Capital One Travel
5% cash back on vacation rentals booked through Capital One Travel
- 1.5%
All Other
Unlimited 1.5% cash back on every purchase
Benefits & Perks
Insurance & Protections
3 protectionsExtended Warranty
secondary
Up to 1 additional year on original manufacturer's warranty of 3 years or less.
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Details & Terms
Payment Terms
| Purchase APR | 18.74%–28.74% (Variable) |
| Cash Advance APR | 28.74% (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
- +Keeps the same rewards and benefits after graduation
- +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
- -Modest welcome bonus ($50 after $100 in purchases within 3 months)
- -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
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Capital One | — | Capital One |
| Usnews Review | — | Usnews Review |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Earn rates | |
| Capital One | Capital One: Status | |
| Capital One | Capital One: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Capital One | Capital One |
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.