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Capital One Quicksilver Student Cash Rewards Credit Card
vs. Capital One Savor Student Cash Rewards Credit Card
Updated: October 8, 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 Savor Student Cash Rewards Credit Card
- Capital One Quicksilver Student Cash Rewards Credit CardCapital One Savor Student Cash Rewards Credit Card
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
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
Introductory Offers
- Earn a $50 bonus when you spend $100 in the first three months.
Rewards
- Get unlimited 1.5% cash back on all purchases, every day.
- Earn up to $500 annually by referring friends and family who are approved for a Capital One credit card.
APRS, Fees, and Penalties
- Enjoy no annual fee, foreign transaction fees, or hidden fees.
Perks & Benefits
- Benefit from $0 Fraud Liability for unauthorized charges.
- Lock your card in the Capital One Mobile app if it's misplaced, lost, or stolen.
- Build your credit with responsible card use.
- Suitable for students at 4-year universities, community colleges, or other higher education institutions.
Capital One Savor 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 Savor 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
- Comes with a welcome bonus
- Diverse bonus categories
- No rewards limit
- Includes security protections
Cons
- Potentially high APR
- Bonus cash back doesn’t extend to superstores
Rewards
- Earn 3% cash back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment, and popular streaming services.
- Earn 1% cash back on all other purchases.
- Earn 5% cash back on hotels and rental cars booked through Capital One Travel.
- Enjoy 8% cash back on entertainment purchases through the Capital One Entertainment portal.
Introductory Offers
- Earn $50 when you spend $100 in the first three months.
APRS, Fees, and Penalties
- No annual fee, foreign transaction fees, or hidden fees.
Perks & Benefits
- Benefit from $0 Fraud Liability for unauthorized charges.
- 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.
- Suitable for students at a 4-year university, community college, or other higher education institution.
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:
Students with purchases of different categories. The flat-rate cash back makes it simple as you don’t need to track spending categories.
International students who can benefit from the card not having foreign transaction fees.
Who Should Consider the Capital One Savor 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:
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%.
Students who enjoy attending concerts and other shows as they can earn as much as 8% cash back when booked via Vivid Seats.
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?
Neither card is better than the other. Because of their different cash back rewards, it’s difficult to say one is better than the other. Ultimately, the one that works best for your spending habits is going to be the better of the two.
Can you get the Capital One Quicksilver Student Rewards card if you have the Capital One SavorOne Student Cash Rewards Credit Card?
Capital One doesn't limit cardholders from owning more than one of their products. It also helps you manage your credit utilization which improves your credit score. However, when applying for more than one credit card, you should know the risk of having multiple cards as a student.
Can you transfer points from the Capital One Quicksilver Student Rewards to Capital One SavorOne Student Cash Rewards Credit Card?
Neither of these cards earn points. However, when you spend on either of the cards, each account will individually earn cash back.
Can you switch from the Capital One Quicksilver Student Rewards card to the Capital One SavorOne Student Cash Rewards Credit Card?
If you currently have Capital One Quicksilver Student Rewards and think it’s time to switch to Capital One SavorOne Student Cash Rewards Credit Card, you may be able to request for a product change through Capital One’s mobile app, or over the phone.
What’s harder to get, the Capital One Quicksilver Student Rewards card or the Capital One SavorOne Student Cash Rewards Credit Card?
Only students enrolled in a university are eligible for this card. If you are enrolled in a 4-year university, community college, or higher education institution, you may easily be able to get approved for both of these cards.
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?
Both Quicksilver Student Rewards and SavorOne Rewards don’t offer welcome bonuses.
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.
Learn more about credit cards in general
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About Doug Milnes, CFA
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.
sources
- Capital One. "Quicksilver Rewards for Students." Accessed October 8, 2024.
- Capital One. "SavorOne Student Cash Rewards Credit Card." Accessed October 8, 2024.
*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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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.