This Student Credit Card Offers the Best Cash Back Rate We Can Find

If you are looking for a simple student credit card, with a great cash back rewards rate, it’s hard to go wrong with Capital One Quicksilver Rewards for Students. With 1.5% cash back across your spending—it’s the best overall rewards rate we found in the student card category.

Quicksilver Rewards for students has some other perks too. If you book hotels or rental cards through Capital One Travel, you will receive 5% cash back. And there is a $100 sign-up bonus after spending $100 in the first three months. All this is why Buy Side from WSJ named it Best Student Credit Card for Rewards Rate.

Capital One Quicksilver Student Cash Rewards Credit Card

  • Base rewards rate: 1.5%
  • Sign-up bonus: $100 if you spend $100 in first three months
  • No annual fee
  • No foreign transaction fee
  • APR: 17.99% – 27.99, variable

Are the rewards worth the fees?

As is the case with all student credit cards, there is no annual fee for this card, making it an easy call to say that the rewards are worth the fees.

Moreover, these are lucrative rewards for a student credit card. If you were to spend $1,000 a month with this card, you would earn $280 in the first year, thanks to the card’s $100 sign-up bonus after spending $100 in three months. In subsequent years, you would net $180 in cash back rewards.

You can find student credit cards with higher rates in certain bonus categories, but if you want a student credit card with the highest base rewards, the Capital One Quicksilver Rewards for Students card is it.

Card details you might miss

While Buy Side from WSJ analyzes student credit cards primarily by its cash back offers, many cards come with additional terms and features you should know

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