Capital One Quicksilver Student®: Flat Cash Back for Campus Life
Earn 1.5% cash back on every purchase, skip annual fees, and use Capital One’s tools to build credit while you juggle classes, travel, and campus costs.
Keep spending simple with a flat rate, then graduate to richer rewards once your credit history and income grow.
Quick snapshot
- 1.5% unlimited cash back on every purchase
- No annual fee, no foreign transaction fees
- CreditWise®, alerts, and autopay to stay on track
- Automatic credit line reviews after on-time payments
Earn the Same Cash Back on Every Purchase
No rotating categories or activation hoops—just 1.5% cash back on everything from textbooks to late-night takeout. Spend $500 a month and pocket about $90 each year.
Travel and Study Abroad Without Extra Fees
No foreign transaction fee means a $1,000 semester abroad purchase avoids the usual $30 surcharge, making it a smart companion for exchange programs or spring break trips.
Use Built-In Tools to Build Credit Faster
Access CreditWise® to watch your score, set custom alerts, and automate payments to avoid missed due dates. Capital One reviews your account for credit line increases after consistent on-time payments.
Keep Costs Predictable While You Learn
No annual fee keeps rewards net positive. Student-focused underwriting helps thin credit files qualify, so you can start building history before graduation.
Important Disclosure
Representative Example: Spending $600 per month and paying in full earns about $108 cash back yearly. If you carried the same balance at a 29.99% APR, interest charges could exceed $180 in 12 months—wiping out rewards.
Risk Warning: Late payments can trigger a penalty APR and stall credit-building progress. Review Capital One’s latest student card terms before you apply.