Capital One student credit cards and their benefits

There are plenty of credit cards designed for students interested in building credit. But not all of them also offer cash back rewards. That’s where Capital One comes in.

Find out more about Capital One’s credit cards for college students and their benefits.

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 also provide other benefits, including digital tools and security features.

Student credit cards are typically geared toward college students who may be looking for their first credit card. They can be used the same way as other credit cards. But they generally have benefits designed for college students and may be more accessible to those with little or no credit history.

If you’re a student, you could use a student credit card to build credit. But that’s only if you use it responsibly by doing things like making 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 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 credit card was named CardRatings’ best student credit card in 2024.

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

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

Both 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 and rental cars 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 exclusive access to presales, VIP tickets and more. Quicksilver Student cardholders can earn 5% cash back. Savor Student cardholders earn 8% cash back.

• Capital One Dining: Celebrate special occasions at restaurants with an otherwise hard-to-get reservation set aside just for Capital One cardholders.

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.

• 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.

• $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. And unlock it just as easily if you recover it.

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

Capital One cardholders also have access to 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 looking out for your money and answers 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 student 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.

Like 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. If you’re interested in becoming a Savor Student or Quicksilver Student cardholder, you can see if you’re pre-approved. Checking is simple, and it won’t affect your credit scores.