Quicksilver Student Cash Rewards Credit Card

Capital One Mastercard Pending

Back Apply Now

10

Benefits

1

Reward Categories

1.5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: quicksilver-student

Issuer: Capital One

Card Name: Quicksilver Student Cash Rewards Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 11:56

Last Scraped: Feb 06, 2026 13:33

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Other Purchases 1.5x Cash Back Earn unlimited 1.5% cash back on every purchase, every day. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1.5x

Quarterly Rotating: No

Expiration Policy: Your cash back rewards don't expire for the life of the account.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 10 Total
PENDING
Financial 1
No Annual Fee
$0

There is no annual fee for this credit card.

Financial Tools 1
CreditWise from Capital One
Free access

Access to CreditWise from Capital One, which allows you to monitor your credit score and alerts without affecting your score.

Rewards 3
Unlimited 1.5% Cash Back
1.5% cash back

Earn unlimited 1.5% cash back on every purchase, every day, with no rotating categories or sign-ups needed.

Cash Back Rewards Never Expire
Never expires

Your earned cash back rewards will not expire for the life of the account.

Flexible Cash Back Redemption Options
Multiple redemption options

Redeem your cash back rewards for a statement credit, check, gift cards, and more.

Security 4
$0 Fraud Liability
$0 liability

You are not responsible for unauthorized charges if your card is lost or stolen.

Account Alerts
Real-time notifications

Receive alerts for suspicious activity or important account updates directly to your phone or email.

Virtual Card Numbers
Enhanced online security

Generate virtual card numbers for online shopping to help protect your actual card number from being compromised.

Security Freeze
Instant card lock

Ability to instantly lock your card from the Capital One Mobile app if it's lost or stolen, preventing new purchases.

Travel 1
No Foreign Transaction Fees
$0

Pay no extra fees on purchases made outside of the United States.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$50

Cash Back

Requirement: Spend $100 in 90 days

Timing: after you spend $100 on purchases

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: 3% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the standard APR.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, the Capital One Quicksilver Student card is expected to offer a cash bonus after meeting a small spending requirement within the initial months. Eligibility requires applicants to be currently enrolled in a higher education institution (verification may be required), possess fair to good credit (or limited credit history), and have verifiable income. Capital One generally restricts new card applications to one every 30 days across all their products. While not a hard rule, approvals become significantly more challenging if an applicant already holds 5 or more Capital One credit cards. Unlike some premium cards (e.g., Venture X's once-per-lifetime bonus), the Quicksilver Student bonus is typically available to eligible new applicants, though having had the *exact same product* recently might impact eligibility for a new bonus.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Capital One accounts, rapid application for multiple cards (especially within 30 days), unusual spending patterns inconsistent with income/profile, bouncing payments or late payments, abuse of return policies for bonus spend.

Cliff Effect Rules: Capital One's primary application restrictions include a limit of one new card approval every 30 days and a soft limit of 5 open Capital One credit card accounts. While the Venture X has a specific 'once per lifetime' bonus restriction, this rule is generally not applied to the Quicksilver Student card or most other Capital One products. However, applying for the same specific card product too frequently may impact bonus eligibility.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Easy approval for students, no annual fee, simple flat 1.5% cash back on all purchases, excellent for building credit history, no foreign transaction fees.

Top Negative:
Low initial credit limits, high APR if carrying a balance, no bonus categories for accelerated rewards, limited sign-up bonus compared to other cards.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Discover it Student Cash Back
  • Capital One SavorOne Student
  • Chase Freedom Rise

Card Value Score: 75.0 / 100

Est. Annual Rewards: $135.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024