Capital One Quicksilver Student Credit Card
Issued by Capital One (Capital One, N.A.) · Mastercard network · Unsecured consumer card
At a glance
The Capital One Quicksilver Student Credit Card is a student consumer credit card issued by Capital One on the Mastercard network. Its current annual fee is $0, with a $0 (no foreign transaction fees) foreign-transaction fee. It is accepting new applications. Terms were last independently verified on 2026-08-30.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Rendered directly on the product page ("Purchase Rate: 18.49% - 28.49% variable APR") — same range as the adult Quicksilver card.
Capital One — official student card pageverified 2026-08-30
Capital One — official student card pageverified 2026-08-30
Fees
Stated directly on the product page.
Capital One — official student card pageverified 2026-08-30
Stated directly on the product page ("No Foreign Transaction Fees").
Capital One — official student card pageverified 2026-08-30
Rewards
Capital One — official student card pageverified 2026-08-30
Capital One — official student card pageverified 2026-08-30
Benefits and protections
- Exclusively for students. Enrolled, or admitted and planning to enroll within 3 months, at an accredited college, university, or other higher-education institution. source
- No foreign transaction fees. source
- Card stays with you after graduation. Capital One's own FAQ confirms the card and its rewards continue unchanged after you graduate. source
Advertiser Disclosure: Some links on this page may earn a commission.
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $19.58 | $234.9 |
| $3,000 | $58.73 | $704.7 |
| $5,000 | $97.88 | $1,174.5 |
Paying only the minimum on $3,000
1200 months
About $55,211.11 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$171.19 total cost
$150 upfront fee, plus post-intro interest at 23.49%.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
4.24.2 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Accessibility for thin files | 30% | 4/5 |
| Fees | 25% | 5/5 |
| Rewards value | 20% | 4/5 |
| Reports to all three bureaus | 15% | 3.5/5 |
| Terms transparency | 10% | 4/5 |
Methodology 2026.07 · full methodology · No active partner relationship for this card as of 2026-08-24. If one begins, it cannot affect this card's score, category ranking, or buyer-beware tier — see /advertiser-disclosure for the full firewall policy.
A genuinely student-exclusive card (enrollment or admission required) built as simply as its adult Quicksilver counterpart: unlimited 1.5% on everything, no annual fee, and no foreign-transaction fee — all stated directly on the product page. Capital One does not publish its own bureau-reporting practice on this or most of its pages, so that fact is left unverified here rather than assumed.
Advantages
- Simple unlimited 1.5% flat rate — nothing to activate
- No annual or foreign-transaction fee, confirmed on the page
- Card and rewards continue unchanged after graduation
Watch for
- 1.5% trails the best flat-rate cards for people who already have credit
- No card-specific statement of bureau-reporting practice
- High APR if a balance is carried
Best for: Enrolled or soon-to-enroll students who want one simple no-fee card, including for spending abroad.
Credit Defense Hub Editorial Team · reviewed 2026-08-30 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Capital One Quicksilver Student Credit Card?
- It is issued by Capital One on the Mastercard network.
- What does the Capital One Quicksilver Student Credit Card cost?
- The annual fee is $0, and the foreign-transaction fee is $0 (no foreign transaction fees). Verified 2026-08-30. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Capital One Quicksilver Student Credit Card accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Capital One Quicksilver Student Credit Card help build credit?
- Like most major cards, on-time payments and low utilization generally help build history over time; check the issuer’s reporting practices.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-08-30; confirm with the issuer before applying.
What consumers report
No verified consumer reviews yet
This card has no published consumer reviews yet, so we are not showing consumer averages or complaint statistics — we never display percentages from a sample too small to be meaningful, and we never seed fake reviews. Be the first to share a genuine experience below.
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If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page → for Capital One Quicksilver Student Credit Card
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.