Capital One student credit cards and their benefits

There are plenty of credit cards designed for students who want to build credit. But Capital One offers student credit cards that also let you earn rewards. 

What you’ll learn:

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

• Savor Student offers unlimited 3% cash back at grocery stores and on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases.^1,2

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

• Both cards also provide other benefits, including digital tools and security features like the Capital One Mobile app and fraud alerts.

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 rewards designed for college students and may be more accessible to those with little or no credit history.

A student credit card could help you build credit when you use it responsibly. That means 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. 

Savor Student lets you cash in on food and fun, whether you’re grabbing dinner with friends or streaming the latest binge-worthy show. Quicksilver Student gives you the same cash back percentage on all your purchases. It was named CardRatings’ 2024 best student credit card.⁴

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

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

Both Savor Student and Quicksilver Student let you earn cash-back rewards for your purchases. And you have flexible redemption options. Options include redeeming rewards for cash or gift cards or using them toward Amazon.com purchases.

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 a spring break vacation or cross-country trip with your roommates.⁵

• Capital One Entertainment: Experience events across music, sports, theater and dining, plus exclusive access to presales, VIP tickets and more. You can earn 5% cash back if you use your Quicksilver Student card.⁶ And if you use your Savor Student card, you can earn 8% cash back.⁷

• Capital One Dining: Celebrate a special occasion with a hard-to-get reservation at an acclaimed restaurant curated by Capital One Dining.

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

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

• Eno: Your Capital One assistant helps look out for you and your money and can help answer 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.

Even if you’re not a Capital One student cardholder, you can still access CreditWise from Capital One. With CreditWise, you can monitor your credit for free without affecting your credit scores.

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

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

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. And if you’re not 21 yet, you must be able to show you can make minimum payments.

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.