Our illustration in the card’s colours, not its design
Capital One credit card
Quicksilver Student
- APR up · 18.49% to 18.74% · Oct 8, 2026
No annual fee. $50 cash after you spend $100 in 3 months. Purchase APR 18.74–28.74%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · capitalone.com
“Plus, earn a $50 cash bonus.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“$0 annual fee.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · capitalone.com
“18.74% - 28.74% variable APR”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · capitalone.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Capital One’s terms
Welcome offer
$50 cash
After you spend $100 on purchases in your first 3 months.
- Spending it takes
- $33 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
One-time bonus for eligible Quicksilver Student primary account holders. Once qualified, the bonus is applied to the rewards balance within two billing cycles. Existing or previous cardmembers are not eligible if they received a new cardmember bonus for this product in the past 48 months.
- Smaller than about 95% of the 48 other cash bonuses we track.
Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.
“Existing or previous cardmembers are not eligible for this bonus if they have received a new cardmember bonus for this product in the past 48 months.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $230 | $180 | |
| Typical spender | $500 | $450 | |
| Heavy spender | $1,040 | $990 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$180a year
$230 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$450a year
$500 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$990a year
$1,040 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
- No annual fee, like about 100% of the 5 cards on our Student list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$160 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$150 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$150 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Quicksilver Rewards for Students
How you earn
- 5%
- Capital One Entertainment purchases
- 1.5%
- Everything else
Cash back, as a share of each purchase.
Benefits
- No foreign transaction fees on purchases outside the United States.
- Complimentary Concierge Service (listed as a heading in the embedded offers; no details stated).
- Embedded offer text describes a 'anniversary bonus' of 10,000 bonus miles after each anniversary starting with the first anniversary, applied to the rewards balance; this conflicts with the cash back rewards described elsewhere in the document.
Changes
- Oct 8, 2026 APR 18.49% to 18.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · capitalone.com “$0 annual fee.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · capitalone.com “18.74% - 28.74% variable APR” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · capitalone.com “18.74% - 28.74% variable APR; Balance transfer fee applies.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · capitalone.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $0 · capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · capitalone.com, since Nov 1, 2026
- What is the purchase APR?
- 18.74–28.74% APR · capitalone.com, since Oct 8, 2026
- Is there a welcome bonus?
- $50 cash back after $100 in purchases in 3 months. · capitalone.com, since Oct 2, 2026