The Quicksilver Student card offers unlimited 1.5% cash back tailored specifically for higher education students looking to earn rewards and build credit.

The Quicksilver Rewards for Students Card from Capital One provides a simple yet powerful cash back earning card aimed directly at college students. With no annual fee, unlimited 1.5% cash back on every purchase, and benefits like no foreign transaction fees, it’s an ideal card for students seeking to earn rewards while building their credit history.

Benefits of Quicksilver Rewards for Students

As a student, you can experience numerous benefits from the Quicksilver Rewards credit card. Here are the key benefits you can get out of it.

Unlimited 1.5% cash back on every purchase, every day with no limit on rewards
$0 annual fee so you keep more of your hard-earned rewards
No foreign transaction fees for studying abroad
Fraud coverage if your card gets lost or stolen
Credit limit increases over time as you establish good payment history
Special access to sports, dining, and entertainment events
Online account management and monthly statements to build credit habits

Prerequisites

To qualify for the Quicksilver Student card, you must be enrolled in college at least half-time at an accredited 2-year, 4-year, or technical/vocational school in the U.S. Enrollment verification will be required.

You can list your college’s financial aid office as the source of income on the application, along with any grants, scholarships, family support or other funding that covers your tuition and living expenses. The card is tailored specifically for students early on in their higher education. Approval decisions for credit cards consider various factors from your credit report and application details. The Quicksilver Student card is designed for those with limited credit histories.

Even applicants listed as credit invisible can qualify for this card. Though your creditworthiness plays a role, it aims to provide students the opportunity to actively build a positive history with responsible use. Those with deep subprime credit scores below 550 may still face denial and need to build their profile further before obtaining approval.

Once you meet the enrollment criteria and submit your application, Capital One will perform a soft credit check to make an instant decision paired with a starting credit line tailored to your profile. If approved, you can immediately begin using your new card once activated.

Who is this card for?

The Quicksilver Rewards for Students card is designed specifically for college students aged 18-25 who are enrolled in higher education and want to build their credit history. It’s tailored for those with limited credit or no prior credit history, allowing students to qualify and start establishing good financial habits early on. With its simple cash back earnings and no annual fee, it can provide great value to responsibly managed student budgets.

Step-by-step to apply for the card

Applying for the Quicksilver Student card is quick and easy:

Go to the secure application page
Provide some basic personal information including your name, date of birth, address, and Social Security Number so Capital One can run a soft credit check.
Enter your total annual income including any scholarships, financial aid, or parent/guardian support that covers your living expenses.
Review the rates, fees, and terms associated with the card and submit your application.
Once approved, you can activate your card in the Capital One mobile app for Android and iOS and begin earning 1.5% cash back right away.

PRESS HERE TO APPLY TO QUICKSILVER STUDENT CREDIT CARD

Positives and negatives of the card

The Quicksilver Student Credit Card comes with several strong advantages tailored specifically to meet college students’ needs. The unlimited 1.5% back on all purchases with no category restrictions provides consistent rewards on everything you buy. Paired with no annual fee or foreign transaction fees, students keep more of their hard-earned cash. Using the card responsibly to pay balances on time builds positive credit history early on. Quicksilver also provides exclusive access to sports, dining, and entertainment events catered towards student interests.

However, there are some downsides to weigh as well. With an APR near 20%, interest charges can quickly negate those 1.5% rewards if you carry any revolving balance month to month. The high rate also discourages large purchases that can’t be paid off promptly. And while there is no welcome bonus, keep in mind that all card activity gets reported to the major credit bureaus. That means late payments will negatively impact your score, so maintaining diligent payment habits is critical. For students focused foremost on building credit though, the Quicksilver card remains a solid choice.

While there are cheaper credit options out there, the Quicksilver Student card remains a top pick for those focused foremost on earning ongoing flat-rate rewards across all spending and establishing their credit profile early on. Just be cautious with carrying balances month-to-month as interest charges can quickly negate the 1.5% cash back benefits.

How to unlock the card?

Activating your new Quicksilver Student Card is easy. Follow these steps:

Download the Capital One mobile app and log into your account.
You’ll see a notification that your card has arrived. Tap to activate it.
A screen will prompt you to enter the last 4 digits of your Social Security number to verify your identity.
Next, you’ll be asked to set your personalized pin number for card purchases and ATM access.
Your card is now unlocked! You can immediately begin using it for purchases online, in-stores, or at ATMs.

Fees and Tariffs

The Quicksilver Student Card has no annual fee and no foreign transaction fee making it very affordable to hold long-term. Here are the main costs to be aware of:

APR for purchases: 19.99% – 29.99% variable
Late payment fee: Up to $40
Balance transfer fee: 4% or $10 minimum
Cash advance fee: 3% ($10 minimum)

As long as you pay the monthly bill on time and in full, you’ll incur no extra charges outside the interest accrued from carrying any revolving balances.

Customer Service

If you have questions or issues with the card, Capital One offers top-rated customer service through the following channels:

24/7 Card Services Phone Line: 1-800-CAPITAL or 1-877-383-4802
Secure Online Message Center
Mobile App Chat and Direct Messaging

The mobile app and online account center also provide self-service account management, statements, payment options, transaction alerts, and more useful resources.

About Capital One

Capital One is a leading bank and credit card issuer that specializes in offering a diverse range of financial products to consumers, small businesses, and commercial clients. Founded in 1988 and headquartered in McLean, Virginia, Capital One serves tens of millions of customers throughout the United States.

The bank has consistently focused on harnessing technology and innovation to improve its credit cards, savings accounts, auto loans, and other banking products. Capital One was an early pioneer of features like online account openings, mobile wallets, customized credit card rewards, and intelligent assistants for banking. It continues leveraging automation, AI, and machine learning to provide better financial solutions.

With over 400 branch locations and 50,000 employees nationwide, Capital One has cemented itself as one of the country’s 10 largest banks with over $200 billion in deposits. But it still maintains a key focus on smaller scale consumer lending that larger banks often don’t provide.

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