Capital One Quicksilver Student Cash Rewards Credit Card vs. Capital One SavorOne Student Cash Rewards Credit Card: Which Is Best for You?

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 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 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.

Comparison Summary

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

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.

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.

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.