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ClearValue Cards

Capital One Quicksilver Student Cash Rewards

Capital One · Student review

Reviewed by ClearValue Editorial Team · Schumer Box terms as of
Best for Students who want the simplest possible
Capital One
Solid pick

Capital One Quicksilver Student Cash Rewards

84
/100
Annual fee
$0
Ongoing APR
Variable*
Foreign txn fee
None
Best for

Students who want the simplest possible cash-back card — a flat 1

Fees sourced from issuer terms · 2026-07-08

ClearValue score
84/100
Solid pick

Students who want the simplest possible cash-back card — a flat 1

Find my match

Sorted by score, never commission

Annual fee

$0

No annual fee, every year

Ongoing APR

Variable APR — verify current range at capitalone.com

Variable — verify the current range at the issuer

Foreign transaction fee

None

Travel-friendly abroad

As of July 8, 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
Variable APR — verify current range at capitalone.com
Foreign transaction fee
None
Schumer Box verified
July 8, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate14 / 20
Fee structure20 / 20
Audience fit17 / 20
Transparency and trust17 / 20
Honest weakness named16 / 20
Total84 / 100 · Solid pick

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 8, 2026. Rates change — confirm the current terms at the issuer.

What APR does the Capital One Quicksilver Student Cash Rewards charge?

Variable APR — verify current range at capitalone.com. 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 whether an honest weakness is 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.

This is an independent editorial review. This page carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.
Capital One Quicksilver Student Cash Rewards
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