Capital One Quicksilver Student Cash Rewards Credit Card
Basic Information
Program ID: quicksilver-student
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 11:56
Last Scraped: 01/15/2026 06:49
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $100.00
Time Period: 90 days
Bonus Timing: Cash back will be applied as a statement credit and typically appears within 2-3 billing cycles after you meet the spending requirement.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.50%
Bonus Reward Rate: 1.50%
Bonus Categories: All purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire for the life of the account.
Transfer Partners: N/A - Cash back card
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 620 - 680
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Capital One Quicksilver Student card in 2026 requires active student status and verifiable income. Capital One is known for strict application rules, typically limiting approvals to one Capital One credit card every six months. While this card does not carry a 'once per lifetime' bonus restriction like premium cards (e.g., Venture X), approval is subject to Capital One's internal underwriting criteria, which heavily weighs existing credit relationships, recent application history across all issuers, and overall credit profile. A welcome bonus is generally offered after meeting a specified small spending threshold within the initial months of account opening.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit limit utilization across Capital One accounts, rapid application for multiple Capital One products, suspicious spending patterns inconsistent with typical consumer behavior, prolonged account inactivity, or breach of terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Easy approval for students with limited credit, no annual fee, consistent 1.5% cash back on all purchases, good for building credit history.
Top Negative Feedback:
Low initial credit limit, high APR if carrying a balance, lacks a significant sign-up bonus.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Discover it Student Cash Back
- Capital One SavorOne Student Cash Rewards Credit Card
- Bank of America Customized Cash Rewards for Students
Card Value Score: 75.0 / 100
Est. Annual Rewards: $110.00
User Portfolio Metrics
Avg Portfolio Size: 1 cards
Avg Portfolio Age: 12 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: QSST_0124