Capital One student credit cards and their benefits

There are plenty of credit cards designed with students who want to build credit in mind. But why not earn rewards for using your card too?

Capital One offers student credit cards that allow you to earn rewards for things you’re already spending money on, like dining, streaming services and groceries. 

Key takeaways

• Student credit cards are typically for college students who may have limited or no credit history.
• Capital One has two student credit cards: SavorOne Rewards for Students and Quicksilver Rewards for Students.
• SavorOne Rewards for Students offers unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. 
• Quicksilver Rewards for Students offers unlimited 1.5% cash back on every purchase, every day. 
• Both cards also provide other benefits like digital tools and security features such as the Capital One Mobile app and fraud alerts.

A student credit card is typically geared toward college students who have limited or no credit history and may be looking for their first credit card. When used responsibly, a student credit card could help you build credit. That means doing things like paying your statement on time each month.

Student credit cards can be used the same way as other traditional credit cards. But they generally have rewards designed with college students in mind.

Capital One offers two student credit cards: SavorOne Rewards for Students and Quicksilver Rewards for Students.

Capital One’s SavorOne Rewards for Students card offers benefits around dining and entertainment, whether you’re grabbing dinner with friends or streaming the latest binge-worthy show. And NerdWallet named it 2023’s best credit card for college students.¹

With the Capital One SavorOne Rewards for Students card, you could earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.^{2, 3} You can also receive a one-time $50 cash bonus when you spend $100 on purchases within the first three months of opening the account.⁴ And there’s no annual fee. View important rates and disclosures.

If you prefer to get the same amount of cash back on all of your purchases, you might want to consider the Capital One Quicksilver Rewards for Students card. And it was named CardRatings’ 2024 best student credit card.⁵

With the Capital One Quicksilver Rewards for Students card, you can earn unlimited 1.5% cash back on every purchase, every day. And you can earn a one-time $50 cash bonus after spending $100 on purchases within the first three months of opening the account.⁴ Plus, there’s no annual fee. View important rates and disclosures.

With both the SavorOne Rewards for Students and the Quicksilver Rewards for Students cards, you’ll have access to benefits like digital tools, security features and more.

Both the SavorOne Rewards for Students and the Quicksilver Rewards for Students are cash back cards. How you redeem your Capital One rewards is up to you. You could redeem them for cash, gift cards and more. And that can be a great way to work toward your savings goals.

And through Nov. 14, 2024, when you use either card for purchases with Uber and Uber Eats, you could earn 10% cash back—and get your Uber One monthly membership fee covered.^{6, 7}

By being a Capital One rewards cardholder, you have access to:

• Capital One Travel: Earn unlimited 5% cash back when you book hotels and rental cars for things like a spring break vacation or a cross-country trip with your roommates.⁸
• Capital One Dining: From local favorites to award-winning restaurants, access hard-to-get reservations at some of the most sought-after restaurants set aside just for cardholders with Capital One Dining.
• Capital One Entertainment: Experience events across music, sports, theater and dining, plus exclusive access to presales, VIP tickets and more. And if you use your SavorOne Rewards for Students card, you can earn 8% cash back on Capital One Entertainment purchases.⁹

Capital One cardholders also have access to the following digital tools:

• Capital One Mobile app: The Mobile app helps you monitor your money on the go.
• CreditWise from Capital One: With CreditWise, you can keep an eye on your credit for free without affecting your credit scores.
• Eno: Your Capital One assistant that helps look out for you and your money and can help answer your account questions.
• Digital wallet: You can link your Capital One card to a digital wallet to make on-the-go purchases faster and more securely.

Your Capital One card also provides security features like:

• Fraud alerts: Capital One can notify you if it notices potential suspicious activity on your account.
• Virtual cards: Keep your actual—or physical—card number to yourself when you shop online with virtual card numbers. 
• Account alerts from Eno: If Capital One detects unusual activity on your account, you may receive an alert from Eno.
• $0 liability for unauthorized charges: If your card is lost or stolen, you won’t be responsible for unauthorized charges.
• Card lock: Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen.
• CreditWise: Get alerts when your TransUnion® or Experian® credit report changes.

You could be eligible for a Capital One student credit 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. 

Like all credit cards, you must be at least 18 years old to apply. But if you’re not 21 yet, you must be able to show you can make minimum payments.

Capital One offers two award-winning student credit cards: the SavorOne Rewards for Students and the Quicksilver Rewards for Students with rewards. If you’re interested in applying, you could see if you’re pre-approved. Checking is simple, and it won’t affect your credit scores.