Reviews

Capital One Quicksilver Student Cash Rewards Credit Card Review: Empowering Students with Cash Back

Unlimited 1.5% cash back, $0 fees & credit building for students.

Rickie C. Keys, Ph.D., MPH

Mar 23, 2024 — 1 min read

Features

Cash Back: Earn unlimited 1.5% cash back on every purchase, every day, simplifying rewards without category restrictions.
Early Spend Bonus: A quick win with a $50 bonus after spending $100 in the first three months.
Uber Benefits: Enhanced rewards with 10% cash back on Uber & Uber Eats purchases, plus complimentary Uber One membership statement credits through 11/14/2024.
APR: Variable APR of 19.99%-29.99% on purchases, positioning it as a competitive option for students.

Benefits

Zero Fees: No annual or foreign transaction fees, making it economical for domestic and international students.
Fraud Protection: $0 Fraud Liability offers peace of mind against unauthorized charges.
Card Lock Feature: Instant security with the ability to lock your card via the Capital One Mobile app if lost or stolen.
Credit Building: Designed to help students build credit with responsible use, supporting future financial stability.
Referral Rewards: Opportunity to earn up to $500 annually through successful referrals to Capital One credit cards.

Drawbacks

High-Security Deposit: Requires a minimum of $200, which may be burdensome for some applicants.
High APR: With a 30.74% Variable APR, interest charges can quickly accumulate if you carry a balance.
No Sign-Up Bonus: Lacks the initial rewards boost that some other cards offer to new cardholders.

Product Summary

The Capital One Quicksilver Student Cash Rewards Credit Card is a powerful tool for students looking to earn straightforward cash back while building credit. With its early spend bonus, generous Uber-related rewards, and no annual fee, it caters to students' lifestyles and financial needs across various educational institutions. Including modern security features and the absence of foreign transaction fees further enhance its value proposition. Whether used for everyday purchases, dining, travel, or unexpected expenses, this card offers a practical, rewarding, and safe pathway for students navigating their financial independence. It rewards responsible spending and educates on credit-building practices, making it a comprehensive financial companion for the student demographic.

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