2023 Review: Capital One Quicksilver Student Cash Rewards Credit Card

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Snapshot: This is an entry-level student credit card with great perks, especially for those who travel via Uber or order with Uber Eats regularly.

Basic Features

• An ongoing APR between reg_apr,reg_apr_type
• A annual_fees annual fee
• Perfect for people with credit_score_needed credit

Additional Details

• You can earn an unlimited 1.5% cash back on every purchase
• If you spend $100 in qualifying purchases within the first 3 months of opening the account, you qualify for a free $50 cash bonus!
• Only through 11/14/2024, you can get a free UberOne membership and up to 10% cash back on Uber and Uber Eats purchases

Pros	Cons
Unlimited 1.5% cash back with numerous ways to redeem	No introductory APR offer
10% cash back on Uber spending through November 2024	Potentially high APR
Coverage of your Uber One membership fees through November 2024
No annual fee

Full Review of Capital One Quicksilver Student Cash Rewards Credit Card

This card is a great choice for students who may not have any credit built up yet but are looking to get in on cash back rewards. Just a heads up: this card is exclusive to students. So if you’re enrolled in a university, a community college or another post-secondary education institution and want to work on building credit while earning some sweet cash back rewards, this card may be right for you. (This is especially true if you’re planning on Ubering around campus or getting delivery through Uber Eats.)

There are quite a few credit card options available in the student credit card market that offer rewards, good interest rates, and low fees for students with low to non-existent credit who are just starting out. There are a few reasons why we like the card_name (in general, Capital One has great card offers), and a few things to consider before applying. Let’s get into it.

What You’ll Like About This Card

Unlimited 1.5% Cash Back

You can earn 1.5% cash back on your everyday purchases with no limits. Other cash back rewards may offer higher, variable cash back rates on unique purchases, but the Capital One Quicksilver Student Cash Rewards Credit Card is simple, direct, uncomplicated. It also allows you the flexibility to redeem your rewards as cash back, gift cards, or statement credits.

10% Cash Back on Uber Eats

Now through November 2024, you can earn even more by using your card to pay for Uber orders. Spend $50 on Uber or Uber Eats every week for a year, for example, and you can end up with an $260 extra as long as you’re paying off your card every month.

Free Uber One Membership

Another way this card helps you save money is that it covers your Uber One membership through November 2024.

The Drawbacks

No Introductory APR Offer

Cards that come with an introductory 0% APR make it possible to make larger purchases initially and pay them off over time without incurring interest. (If you’re a student, that 0% APR may come in handy when buying books or materials for school). However, this card doesn’t have an introductory 0% APR offer.

Potentially High APR

Depending on your approval status, the APR on your card might be relatively high. It’s not a big deal if you regularly pay off your balance, but you might want to shop around to see if you can get a better rate, especially if you have decent credit already.

How Does It Compare to Other Student Credit Cards?

card_name	card_name	Revvi Visa® Credit Card
Intro APR: None	Intro APR: None	Intro APR: None
Ongoing APR: reg_apr,reg_apr_type based on creditworthiness	Ongoing APR: reg_apr,reg_apr_type based on creditworthiness	Ongoing APR: 35.99% Fixed
Balance Transfer: None	Balance Transfer: None	Balance Transfer: None
Annual Fee: annual_fees	Annual Fee: annual_fees	Annual Fee: $75 first year, then $48 after
Credit Needed: Scores in the credit_score_needed range	Credit Needed: Scores in the credit_score_needed range	Credit Needed: Scores in the poor – bad range

Is It Worth It?

For students looking to build credit, the Capital One Quicksilver Student Cash Rewards Card can be a good option. If you already spend a decent amount with Uber, you can rack up cash back quickly now through November 2024. Then, you can use that cash to cover books or other necessary expenses or splurge on something fun like a concert or weekend trip.

Frequently Asked Questions

What are the credit limits for the Capital One Quicksilver Student Cash Rewards Credit Card (minimum and maximum)?

The credit limit you’re approved for depends on your credit history and ability to pay back any balances. That being said, users of the Capital One Quicksilver Student Cash Rewards Credit Card can likely expect credit limits from a few hundred to a thousand dollars or so.

How soon can I increase my credit limit after being approved for a Capital One Quicksilver Student Cash Rewards Credit Card?

Credit card providers are often willing to increase your credit limit after a period of time in which you have demonstrated on-time payments and responsible credit management.

How good is a Capital One Quicksilver Student Cash Rewards Credit Card for building credit?

This is a decent credit-building card for someone (like a student) just starting to build their credit. Capital One also regularly reports to credit bureaus, so your timely payments will be noted and can help you build credit.

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