Student Cards

Student credit cards can be a great way to teach responsible use of credit to those that are new to credit.

Capital One Quicksilver Student Cash Rewards Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now on the Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Rewards Rate 1
1.5% Cash Back on every purchase, every day
Intro Rewards Bonus
Earn $50 Cash Back when you spend $100 in the first three months
Regular APR
19.99% - 29.99% (Variable)
Apply Now on the Capital One® secure website.
Annual Fee
$0
Fraud Coverage
$0 Fraud Liability for unauthorized charges
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate

Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Rates & Fees

Capital One SavorOne Student Cash Rewards Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now on the issuer’s secure website.
Credit Recommended:
Average, Fair, Limited
Intro Rewards Bonus
Earn $50 Cash Back when you spend $100 in the first three months
Rewards Rate 1
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
Regular APR
19.99% - 29.99% (Variable)
Apply Now on the issuer’s secure website.
Annual Fee
$0
Foreign Trans Fee
None
Fraud Coverage
$0 Fraud Liability for unauthorized charges

Highlights

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Rates & Fees
Advertiser Disclosure

More about Student Credit Cards…

Student credit card offers and marketing have changed drastically over the past couple of years after legislation took effect that regulated some of the previous practices. Some of the changes required that applicants be evaluated on their own ability to pay their bill and also restricted banks from giving away freebies to student who fill out credit card applications on or near college campuses.

Credit cards for college students can provide a wonderful learning experience. They can also be a total disaster, leaving students with bad credit records that could haunt them years after graduation and strap them with debt. A little preparation can make all the difference.

Even before arriving at their dorms for freshman year, college students were inundated with offers for credit cards. Most of these offers are quite legitimate, since it is in the credit companies' interest to get people committed to their services while young, in hopes that they will stay with them. Disaster can happen when students accept a card or multiple cards, use them without restraint, and then discover the nightmare of compound interest.

Learning to manage credit can be the difference between a positive experience or one with long-lasting negative effects. Having one card and using it wisely has its benefits. It provides security in case of an emergency situation and can be the first step to financial maturity. Using a credit card wisely can also help establish a good credit history, which is important for years to come. To achieve the positive experience, students should review card offers and select a card with good terms, use it carefully, and pay off purchases promptly.

CreditSoup.com can't keep your student from buying pizza for the whole dorm, but we can help them locate some great credit card options. After that, it's up to you to stay in communication with your student and help them manage their credit wisely.

*See online credit card application for details on the terms and conditions.


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Advertiser Disclosure

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.