Key takeaways
- The Capital One Quicksilver Pupil Money Rewards Credit score Card affords a 1.5 p.c money again price on all purchases, 5 p.c again on lodges and rental vehicles booked via Capital One Journey and 10 p.c again on Uber and Uber Eats purchases (via November 14, 2024).
- Cardholders can simply redeem their rewards for assertion credit, checks, present playing cards and extra.
- The cardboard has no annual price, affords a $50 welcome bonus when spending $100 within the first 3 months from account opening and offers numerous journey and buy protections.
If you happen to’re searching for a scholar bank card that may enable you construct credit score with out requiring a safety deposit, the Capital One Quicksilver Pupil Money Rewards Credit score Card is a strong selection. This card is a scholar model of the Capital One Quicksilver Money Rewards Credit score Card, which is without doubt one of the hottest flat-rate money again playing cards on the market.
The Quicksilver Pupil will help you construct credit score whereas incomes rewards on the similar time. First, right here’s a fast have a look at the general card particulars. Then, we’ll dive into the perks and advantages you might want to find out about.
Highlights of the Capital One Quicksilver Pupil
Listed here are a number of the most vital card particulars to contemplate with the Capital One Quicksilver Pupil:
- Rewards price: 1.5 p.c money again on all purchases; 5 p.c again on lodges and rental vehicles booked via Capital One Journey; 10 p.c again on Uber and Uber Eats purchases (via November 14, 2024)
- Welcome bonus: $50 if you spend $100 within the first 3 months
- Annual price: $0
- Common APR: 19.99 p.c to 29.99 p.c (variable)
Capital One Quicksilver Pupil Money Rewards Card advantages
The Capital One Quicksilver Pupil affords quite a lot of enticing advantages for a scholar bank card, together with flat-rate money again rewards and a strong welcome bonus. Listed here are the highest Quicksilver Pupil card advantages it is best to give attention to.
Ongoing money again rewards
The Quicksilver Pupil card affords one of many extra aggressive money again charges for scholar playing cards on the market. You’ll earn 1.5 p.c money again on each buy, in addition to 5 p.c again on lodges and rental vehicles booked via the Capital One Journey portal. By means of November 14, 2024, you’ll additionally earn 10 p.c again on purchases with Uber or Uber Eats.
Number of redemption choices
Capital One makes it straightforward to redeem your rewards for quite a lot of choices, and there’s no minimal redemption quantity to fret about. You may redeem rewards within the type of an announcement credit score, mailed test, credit score on a previous buy, present playing cards or at checkout with Amazon.com or PayPal. Rewards can be redeemed via Capital One Journey or Capital One Leisure.
First-year welcome bonus
The Capital One Quicksilver Pupil affords a welcome bonus that’s straightforward to earn. You’ll obtain $50 if you spend $100 in the course of the first 3 months you might have the cardboard. Contemplating you solely must spend about $33 monthly to earn this reward, this money again bonus provide is without doubt one of the most accessible affords out there to college students.
No annual price
This scholar card doesn’t cost an annual price, which means there’s no yearly price for proudly owning it — and no strain to earn sufficient rewards to make up for it.
Capital One Leisure and Eating
With the Quicksilver Pupil, you get entry to Capital One Leisure. This program affords presale ticket entry and particular experiences at choose live shows, sporting occasions, comedy reveals, theatrical performances and extra. Given the vary of occasions and affords, you’ll seemingly be capable to make the most of these nice perks.
You’ll even have entry to Capital One Eating, which grants cardholder-only reservations to award-winning eating places and distinctive culinary occasions.
Journey and buy protections
You’ll obtain prolonged guarantee safety on eligible gadgets you buy with this card. You’ll additionally get pleasure from entry to the cardboard’s complimentary concierge service. Moreover, the cardboard’s 24-hour journey help providers will offer you an emergency substitute card and a money advance in case your card is misplaced or stolen. The cardboard additionally comes with journey accident insurance coverage, do you have to want it.
Fraud safety and credit score monitoring instruments
Like most playing cards, this card affords $0 fraud legal responsibility, defending you from being accountable for unauthorized prices. You’ll even have entry to quite a lot of credit score monitoring instruments, together with the flexibility to obtain alerts about suspicious prices in your card. You too can obtain notifications if choose credit score bureaus (Experian or TransUnion) report modifications to your credit score report.
No overseas transaction charges
You gained’t must pay any overseas transaction charges if you use the Capital One Quicksilver Pupil outdoors of the U.S., making it an excellent card to deliver with you when you examine overseas or go on trip.
Maximizing the Capital One Quicksilver Pupil Money Rewards Card
To take advantage of the Quicksilver Pupil, you’ll wish to make certain to pay your card in full and on time every month. This card has a variable APR between 19.99 p.c and 29.99 p.c and doesn’t provide an introductory APR interval, which means you gained’t have any wiggle room on the subject of paying your card on time the primary few months.
Additional, the Quicksilver Pupil is not going to waive its late price the primary time you miss a fee (not like another scholar bank cards), so paying your invoice even someday late would possibly imply all of your rewards might be eaten up by late charges.
You’ll additionally wish to be sure to take a more in-depth have a look at all the advantages out there, reminiscent of Capital One Leisure and Eating entry. Given the big range, there could also be tickets for occasions you’re already planning to attend, which implies you’ll simply get monetary savings.
Lastly, when you’ve got any journeys arising, bear in mind you can earn 5 p.c money again on lodge and rental automobile bookings via the Capital One Journey portal. Utilizing your card for Uber and Uber Eats purchases (via November 14, 2024) may also earn you 10 p.c money again.
The underside line
The Capital One Quicksilver Pupil Money Rewards Credit score Card is a good choice for a scholar card. Its aggressive money again price, lack of an annual price and listing of advantages make it stand out in opposition to different competing scholar playing cards.
That being stated, you might earn extra rewards with a scholar card that provides increased bonuses for particular spending classes. You’ll want to take a look at our information to the highest scholar bank cards earlier than making a call on which card is true to your pockets.
