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Capital One Quicksilver Student
Capital One

Capital One Quicksilver Student

A no-annual-fee cash back card from Capital One.

Pools with Capital One → transferable
Annual fee
No annual fee
Welcome bonus
$100 cash bonus
Min spend
$300 in 3 months
Recommended credit
New to Credit (580+)
Network
Visa
Foreign transaction fee
None
Apply on Capital One site6.3/10Our rating · review ›

Rates, fees, and full terms are set by Capital One and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Capital One application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you would rather chase elevated bonus categories than earn one flat rate.

Earning rates

Unlimited 1.5% cash back on all purchases

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, pool the rewards into the issuer transferable points when you also hold an eligible card, then move them to travel partners. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

$50 cash bonus after $100 spend in first 3 months
No annual fee, no foreign transaction fees
No penalty APR for late payments
CreditWise® credit monitoring included
Automatically considered for a higher credit line after 6 months of on-time payments
Lock/unlock card instantly via app
Travel accident insurance

Transfer partners

On its own this card earns Miles worth about 1 cent each. Pool it with a Capital One transfer card such as the Venture X, though, and the points unlock the same airline and hotel transfers, where major partners include:

Airline partners

Air Canada Aeroplan, Turkish Miles & Smiles, Avianca LifeMiles, Flying Blue (Air France/KLM), Singapore Airlines, British Airways

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Wyndham Rewards

You can check the live points price for a specific stay on rooms.aero.

See the full Capital One ecosystem, card lineup, and live transfer bonuses →

Alternatives to the Capital One Quicksilver Student

Pairs well with

The Capital One Quicksilver Student earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Capital One Quicksilver Student lands.

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