Capital One student credit cards and their benefits

There are plenty of credit cards designed for students interested in building credit. Not all of them offer cash back rewards. But Capital One student credit cards do.

What you’ll learn:

• Capital One has two student credit cards: Savor Student and Quicksilver Student.

• The Savor Student card offers unlimited 3% cash back at grocery stores and on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases.

• The Quicksilver Student card offers unlimited 1.5% cash back on every purchase, every day. 

• Both cards provide other benefits, digital tools and security features.

A student credit card is a credit card designed for college, graduate or nontraditional students with minimal or no credit history. It can be used the same way as other credit cards, but a student credit card may be easier to qualify for. 

You can use a student card to build credit if you use it responsibly, meaning you do things like make payments on time each month. 

If you’re under 21, federal law requires you to have a co-signer who is over 21 or prove that you have enough independent income to make your minimum credit card payments.

Capital One offers two student credit cards: Savor Student and Quicksilver Student. They’re both cash back cards.

• The Savor Student card: This credit card lets you cash in on food and fun, whether you’re grabbing dinner with friends or streaming the latest binge-worthy show.

• The Quicksilver Student card: This credit card keeps things simple, whether you’re buying textbooks, filling up your gas tank or covering everyday essentials.

Here’s a quick overview of each card’s key features:

Check out the benefits that come with the Savor Student and Quicksilver Student cards.

Both the Savor Student and Quicksilver Student cards let you earn cash back rewards for your purchases. And you have flexible redemption options, such as:

• Cash: Redeem your rewards in the form of a statement credit or a check.

• Gift cards: Redeem your cash back rewards as a gift card from restaurants, retailers and more.

• Online orders: Use your rewards when you check out with PayPal® or at Amazon.com.

As a Capital One rewards cardholder, you have access to:

• Capital One Travel: Earn unlimited 5% cash back when you book hotels, vacation rentals, rental cars and activities for things like spring break getaways or cross-country trips with your roommates.

• Capital One Entertainment: Experience events across music, sports, theater, dining and more. Plus, get exclusive access to presales, VIP tickets and more. Quicksilver Student cardholders can earn 5% cash back. Savor Student cardholders earn 8% cash back.

Your Capital One card also provides security features such as:

• Fraud alerts: Capital One can notify you if it notices potential suspicious activity on your account.

• $0 liability for unauthorized charges: If your card is lost or stolen, you won’t be responsible for unauthorized charges.

• Virtual cards: Keep your physical card number to yourself when you shop online with virtual card numbers. 

• Account alerts: If Capital One detects unusual activity on your account, you may receive an alert from Eno.

• Card lock: Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen. And unlock it just as easily if you recover it.

• CreditWise from Capital One: Get alerts when your TransUnion® or Experian® credit reports change.

Capital One cardholders also have access to these digital tools:

• Capital One Mobile app: The mobile app helps you monitor and manage your accounts on the go.

• Eno, your Capital One assistant: Eno provides extra help by looking out for your money and answering your account questions.

• Digital wallets: You can link your Capital One card to a digital wallet to make in-store and online purchases faster and more securely.

• CreditWise from Capital One: With CreditWise, you can monitor your credit without affecting your credit scores. It’s free to use, even if you’re not a Capital One cardholder.

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. And you may be eligible for a student credit card even if you don’t have a credit history yet.

As with all credit cards, you must be at least 18 years old to apply. And if you’re not 21 yet, you must be able to show you can make the minimum payments required.

If you’re looking for a student credit card, Capital One has you covered with Savor Student or Quicksilver Student. You can even see which cards you’re pre-approved for without hurting your credit scores.