Explore student credit cards

With student credit cards, you can build your credit with responsible use and earn rewards. See what cards you're eligible for with no impact to your credit score.

FOR PEOPLE WITH Fair CREDIT

SavorOne Rewards for Students

FOR PEOPLE WITH Fair CREDIT

Quicksilver Rewards for Students

SAVORONESTUDENTQUICKSILVERSTUDENT
REWARDS
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. 1 Earn 8% cash back on Capital One Entertainment purchases. 2 Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered through November 14, 2024. 3 Earn unlimited 1.5% cash back on every purchase, every day. Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered through November 14, 2024. 3
NEW CARD MEMBER OFFER
Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening 4 Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening 4
ANNUAL FEE
$0$0
CREDIT LEVEL
FAIR FAIR
CAPITAL ONE TRAVEL REWARDS

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

PURCHASE RATE
19.99% - 29.99% variable APR19.99% - 29.99% variable APR
TRANSFER INFO
19.99% - 29.99% variable APR; Balance transfer fee applies. See pricing and terms for details19.99% - 29.99% variable APR; Balance transfer fee applies. See pricing and terms for details

Explore Capital One Student Credit Card benefits. 5

No Foreign Transaction Fees

You won’t pay a transaction fee when making a purchase outside of the United States.

Extended Warranty

You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

24-hour Travel Assistance Services

If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.

Travel Accident Insurance

Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.

Instant Purchase Notifications

Stay on top of your spending by receiving a push notification each time a new purchase is approved on your account.

Capital One Shopping

Capital One Shopping is an online shopping tool that automatically applies available coupon codes to your order. Learn more about Capital One Shopping.

Shop With Your Rewards

Now you can pay for Amazon.com purchases using your Capital One rewards. Learn more about how to use your rewards at Amazon.

Redeem Your Rewards with PayPal

Use your Capital One rewards on eligible purchases at millions of online stores. Learn more about using rewards with PayPal.

Student Credit Card FAQs

Capital One student credit cards offer students the chance to build credit by using their card responsibly to make purchases, making timely payments on their balances and maintaining a healthy credit utilization ratio. Capital One student cards also come with student-friendly perks, like cash back.

Wondering what happens to your account after graduation? No need to get a new card—you can still enjoy all the rewards and benefits your Capital One student credit card has to offer.

Before applying for a credit card, consider getting pre-approved to see which cards you qualify for. It’s quick, easy, and won’t hurt your credit score. And remember: You don’t need a credit score to apply, though we may use credit scores where available.

You must be at least 18 years of age and a student to qualify for student credit cards. 

You may be eligible for a Capital One student card if you’re enrolled—or admitted and planning to enroll in the next three months—at an accredited university, community college or other higher education institution.

Want to find the best student credit card for you? Getting pre-approved could help you find the right card before you apply.

Choosing the best student credit card for you depends on what you want out of a card. Capital One student credit cards are designed for applicants with little or no credit history—plus they offer no annual fee, hidden fees, or foreign transaction fees. These student credit cards also offer bonuses and let you earn rewards on everyday purchases: 

  • SavorOne Rewards for Students features student-friendly perks, like unlimited 3% cash back on dining and at grocery stores—excluding superstores like Walmart® and Target®—and entertainment, including popular streaming services, plus 1% cash back on all other purchases.
  • Quicksilver Rewards for Students allows qualifying students to earn unlimited 1.5% cash back on all purchases and a one-time $50 cash bonus after spending $100 on purchases within the first 3 months from account opening.

Consider getting pre-approved to see which cards you qualify for.

Several factors—like an applicant’s credit score, payment history, and income—may influence whether or not someone will be approved for a credit card. 

But if you’re just starting your financial journey, don’t worry. Capital One student cards are designed for students with little or no credit history.

Getting pre-approved could help you see which cards you may qualify for before you apply. And if you’re not a student but want to build credit, check out these other alternatives

No, checking to see if you’re pre-approved for a Capital One credit card won’t cause any damage to your credit score. That’s because our pre-approval tool won’t result in a hard inquiry on your credit report, which can temporarily lower your credit score.

Our pre-approval tool will show you the student credit cards you’re more likely to qualify for, too. That way, you can apply with more confidence.

There are a few steps you can take to use your card responsibly and help build a better credit score over time: 

1. Use CreditWise by Capital One to monitor your credit score and TransUnion credit report.
2. Make timely payments on your bills each month.
3. Stay below your credit limit—and keep an eye on your credit utilization.
4. Limit new credit applications to prevent hard inquiries on your credit report.

And after implementing these tactics to raise your score, you may consider getting pre-approved for a Capital One credit card to find one that works best for you and your lifestyle.