Capital One Quicksilver Student Cash Rewards Credit Card
vs. Capital One SavorOne Student Cash Rewards Credit Card

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ByDoug Milnes, CFA
Reviewed byBrett Holzhauer
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ByDoug Milnes, CFA
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Reviewed byBrett Holzhauer
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Updated: March 19, 2024

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If you are just starting out with building credit, a credit card gives you a headstart on building your credit score. However, it’s vital to not overspend and be sure to pay your statements on time.

MoneyGeek helps you determine which between the Capital One Quicksilver Student Rewards vs Capital One SavorOne Student Cash Rewards Credit Card suits you better. We’ll break down the associated fees and charges when using the card, and the possible perks and benefits that you can take advantage of. Both are student credit cards from Capital One with the same annual fees, interest rates and benefits. However, the difference is in the reward earning structures. Choosing between the Quicksilver Student Rewards and SavorOne Rewards is now a matter of identifying your spending habits and which card best aligns with those habits.

Comparison Overview: Capital One Quicksilver Student Cash Rewards Credit Card vs. Capital One SavorOne Student Cash Rewards Credit Card

  • Capital One Quicksilver Student Cash Rewards Credit Card
    Capital One SavorOne Student Cash Rewards Credit Card
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
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  • Travel Rewards
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Capital One Quicksilver Student Cash Rewards Credit Card At a Glance

The Capital One Quicksilver Student Rewards is a pared down version of the Quicksilver Rewards which qualifies those with limited or fair credit. It offers an unlimited cash back flat-rate of 1.5% on all purchases with no annual or foreign transaction fees. The purchase APR rate is quite high at 26.99%. With this, and having a late payment fee of $40, it’s not recommended to carry your balances with this card. However, the card comes with a solid list of benefits like travel accident insurance, roadside dispatch and complimentary concierge services. The price protection benefit reimburses cardmembers the discounted amount if they can find a cheaper price of the same product within 90 days. Users of the card can use the CreditWise tool for free to monitor their credit score.


  • Capital One Quicksilver Student Cash Rewards Credit Card

    A practical no-annual-fee student credit card with cash back


    • 1.5%–5% cash backRewards Rate
    • 19.99%–29.99% VariableAPR
    • $0Annual Fee
    • Limited–FairRecommended Credit

    Pros

    • No annual fee
    • Cash back on all purchases
    • Offers welcome bonus
    • Comes with security protections

    Cons

    • Potentially high APR
    • No bonus categories
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
    • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
    • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
    • Enjoy no annual fee, foreign transaction fees, or hidden fees Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
    • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
    • Build your credit with responsible card use
    • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
    Capital One Quicksilver Student Cash Rewards Credit Card

Capital One SavorOne Student Cash Rewards Credit Card At a Glance

The Capital One SavorOne Student Cash Rewards Credit Card is best used for everyday purchases. Much like the standard SavorOne Rewards, cardmembers can earn as much as a 3% cash back when they use the card on dining, entertainment, streaming services and groceries. Other purchases outside these categories earn 1% cash back. The combination of both earning categories makes the card valuable as it doesn’t have an annual fee.

If you manage to qualify for a regular consumer credit card in as little as six months, you might even decide to keep this card for its valuable cash back program.


  • Capital One SavorOne Student Cash Rewards Credit Card

    Great no-annual-fee student card with generous cash back rewards


    • 1% to 8% cash backRewards Rate
    • 19.99% to 29.99% VariableAPR
    • $0Annual Fee
    • Limited–FairRecommended Credit

    Pros

    • No annual fee
    • With welcome bonus
    • Diverse bonus categories
    • No rewards limit
    • Includes security protections

    Cons

    • Potentially high APR
    • Bonus cash back doesn’t extend to superstores
    • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
    • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
    • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
    • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
    • Enjoy no annual fee, foreign transaction fees, or hidden fees
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
    • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
    • Build your credit with responsible card use
    • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
    Capital One SavorOne Student Cash Rewards Credit Card

Comparison Summary

To help you decide between the Quicksilver Student Rewards and the SavorOne Rewards for Students, here’s a breakdown of their differences.

Card Detail
Comparison Summary

Travel Coverage and Purchase Protection

The Quicksilver Rewards for Students and SavorOne Rewards for Students have the same set of benefits that you get from a Capital One card. These include: fraud coverage in case your card gets lost or stolen, no foreign transaction fees, concierge services and travel accident insurance.

Winner: Tie

Welcome Bonus

Both cards don’t have a welcome offer.

Winner: Tie

Rewards

With Capital One Quicksilver Student Rewards, you earn a flat-rate 1.5% cash back on all purchases. With Capital One SavorOne Cash Rewards Credit Card for Students, you earn 3% cash back on popular everyday purchases like grocery, dining and entertainment, and 1% cash back on all other purchases.

Winner: Capital One SavorOne Cash Rewards Credit Card for Students

Annual Fee

Both cards have no annual fee.

Winner: Tie

Which Card Should You Get?

The Capital One Quicksilver Student Rewards and Capital One SavorOne Student Cash Rewards Credit Card are specifically geared towards those enrolled in post-secondary education. However, they both vary in their benefits and features.

Who Should Consider the Capital One Quicksilver Student Cash Rewards Credit Card?

Capital One Quicksilver Student Rewards is a solid choice for student credit cards because of its no annual fee and consistent 1.5% cash back on all purchases. Additionally, you may prefer this card if you fall in one of these categories:

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    Students with purchases of different categories. The flat-rate cash back makes it simple as you don’t need to track spending categories.

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    International students who can benefit from the card not having foreign transaction fees.

Who Should Consider the Capital One SavorOne Student Cash Rewards Credit Card?

Capital One SavorOne Student Cash Rewards Credit Card has no annual fee and provides an opportunity to earn cash back on daily spending categories. If you fall in one of these categories, this card may be a solid fit for you:

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    Students who spend a lot on dining, entertainment, groceries, and other most common spending categories. The cash back rate of 3% is definitely a good deal, considering other standard cash back credit cards offer them at only 1%.

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    Students who enjoy attending concerts and other shows as they can earn as much as 8% cash back when booked via Vivid Seats.

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EXPERT OPINION

This comparison is a bit difficult as both cards earn great cash back in their respective categories. However, unless you’re spending a significant amount in the spending categories for the SavorOne Student credit card (dining, entertainment, popular streaming services and grocery stores), you will likely earn more cash back with the Quicksilver Student card. And with the Quicksilver card, you won’t have to worry about spending within the categories to justify the card.

Other Helpful Decision-Making FAQs

Student credit cards help students learn how to manage their finances early on. With responsible use of these cards, students can establish their credit history through college. Here are some of the most frequently asked questions about the two cards in this article.

Is the Capital One Quicksilver Student Rewards card better than the Capital One SavorOne Student Cash Rewards Credit Card?
Can you get the Capital One Quicksilver Student Rewards card if you have the Capital One SavorOne Student Cash Rewards Credit Card?
Can you transfer points from the Capital One Quicksilver Student Rewards to Capital One SavorOne Student Cash Rewards Credit Card?
Can you switch from the Capital One Quicksilver Student Rewards card to the Capital One SavorOne Student Cash Rewards Credit Card?
What’s harder to get, the Capital One Quicksilver Student Rewards card or the Capital One SavorOne Student Cash Rewards Credit Card?
How much do you have to spend for Capital One Quicksilver Student Rewards vs Capital One SavorOne Student Cash Rewards Credit Card to get the welcome bonus?

Still Not Sure About These Cards? Consider These Options

Student credit cards can be expensive to have if you carry your balances each month, as they usually have high interest rates. If you are a student, you are not just limited to student credit cards. You may still be able to qualify for a standard cash back credit card or rewards credit card. MoneyGeek also ranks the best first-time credit cards for those without credit history, as well as the best credit cards you can own if you have fair credit.

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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