Capital One Quicksilver Student Cash Rewards
Capital One · Student review
Students who want the simplest possible cash-back card — a flat 1
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
18.49% – 28.49% variable
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of July 21, 2026
Best for
Students who want the simplest possible cash-back card — a flat 1.5% on every purchase, unlimited, with no category management, no quarterly activation, no annual fee, and no foreign transaction fees. Approval is accessible for limited credit history, and it reports to all three bureaus.
Not for
Students whose spend concentrates in dining or groceries — Capital One's own Savor Student earns 3% on dining and entertainment and will usually out-earn a flat 1.5% for people who go out a lot.
The catch
1.5% flat is the highest consistent base rate among no-fee student cards, but it's a base rate — there are no rotating bonuses or round-up tricks to juice it. The point of a student card is the credit history you build; pay in full and the cash back is a bonus on top of the real return.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- 18.49% – 28.49% variable
- Foreign transaction fee
- None
- Balance transfer fee
- $0 at the transfer APR; 4% of each transferred balance at a promo APR
- Schumer Box sourced
- July 21, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Capital One Quicksilver Student Cash Rewards's offer changes.
We track Capital One Quicksilver Student Cash Rewards's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Capital One Quicksilver Student Cash Rewards charge an annual fee?
No. The Capital One Quicksilver Student Cash Rewards carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 21, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Capital One Quicksilver Student Cash Rewards charge?
18.49% – 28.49% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Capital One Quicksilver Student Cash Rewards charge foreign transaction fees?
No. The Capital One Quicksilver Student Cash Rewards has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Capital One Quicksilver Student Cash Rewards best for?
Students who want the simplest possible cash-back card — a flat 1.5% on every purchase, unlimited, with no category management, no quarterly activation, no annual fee, and no foreign transaction fees. Approval is accessible for limited credit history, and it reports to all three bureaus.
Who should skip the Capital One Quicksilver Student Cash Rewards?
Students whose spend concentrates in dining or groceries — Capital One's own Savor Student earns 3% on dining and entertainment and will usually out-earn a flat 1.5% for people who go out a lot.
How did ClearValue score the Capital One Quicksilver Student Cash Rewards?
Capital One Quicksilver Student Cash Rewards scored 84/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Capital One Quicksilver Student Cash Rewards
Other student cards we've scored, ranked by our methodology.
- DiscoverSolid pick
Discover it Student Cash Back
88/100Annual fee$0Ongoing APR16.49–25.49%Intro APR0% · 6 moBest forCollege students with limited or no prior credit who want the strongest year-one return on a no-fee card — 5% on rotatin
Fees sourced from issuer terms · 2026-07-18
- Capital OneSolid pick
Capital One Savor Student Cash Rewards
87/100Annual fee$0Ongoing APR18.49–28.49%Foreign txn feeNoneBest forStudents who spend on dining out, entertainment, streaming, and groceries and want consistent category rewards with no a
Fees sourced from issuer terms · 2026-07-21
- Bank of AmericaSolid pick
Bank of America Travel Rewards for Students
80/100Annual fee$0Ongoing APR17.49–27.49%Intro APR0% · 15 moBest forStudents who plan to travel after college and want to start accumulating flexible travel points — 1
Fees sourced from issuer terms · 2026-08-17
