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Capital One Quicksilver Student vs Capital One SavorOne: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- Capital One Quicksilver Student Cash Rewards Credit Card: This card is ideal for students looking to build credit through everyday spending and travel, especially international students, thanks to its flat-rate cash back and no foreign transaction fees.
- Capital One SavorOne Cash Rewards Credit Card: A strong choice for those with fair credit, this card offers high cash back rates on dining, entertainment, popular streaming services, and at grocery stores.
Capital One Quicksilver Student Cash Rewards Breakdown
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Why We Like It
This section breaks down why we like the Capital One Quicksilver Student Cash Rewards Credit Card .
- It offers a straightforward rewards structure without complicated categories, making it easy for students to earn cash back on every purchase.
- The card provides access to premium perks, like exclusive entertainment events, which are not typically offered with student credit cards.
- It is designed to be accessible for students with limited credit history and helps them build their credit by reporting to all three major bureaus.
Pros
- Offers a straightforward rewards structure, allowing you to earn cash back on every purchase without tracking rotating categories.
- Designed to help students build credit, as payment history is reported to the three major credit bureaus.
- Provides access to unique perks not always found on student cards, such as exclusive entertainment tickets and experiences.
Cons
- You must be a currently enrolled student to apply.
- Approval may depend on your existing credit history.
- The rewards program is simple but may not be the most lucrative for spending in specific categories.
Capital One SavorOne Rewards Breakdown
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Why We Like It
This section breaks down why we like the Capital One SavorOne Cash Rewards Credit Card .
- It offers generous cash back on popular everyday spending categories like dining, entertainment, and at grocery stores.
- The card features flexible reward redemptions and no foreign transaction fees, making it a valuable companion for international travel.
- As one of the few rewards cards available to applicants with fair credit, it provides an excellent opportunity to earn rewards while building credit.
Pros
- Offers bonus cash back across a wide range of popular spending categories, including dining, entertainment, and at grocery stores.
- Cardholders enjoy flexible reward redemptions with no minimum amount and pay no foreign transaction fees on purchases made abroad.
- Provides an opportunity to build credit with responsible use, as cardholders are automatically considered for a higher credit line in as little as six months.
Cons
- Charges an annual fee.
- Lacks a welcome bonus and an introductory APR offer for new cardholders.
- Bonus rewards are not available on all purchases, and the card comes with fewer perks than other versions.
Capital One SavorOne Rewards vs Capital One Quicksilver Student Cash Rewards
Categories
Deciding which is better, Capital One Quicksilver Student or Capital One SavorOne, often comes down to your primary spending habits. Each card is designed to maximize rewards in different areas.
- Capital One Quicksilver Student Cash Rewards Credit Card is best for students who want a simple way to earn rewards on all their general, everyday purchases, with an added bonus for travel booked through the issuer's portal.
- Capital One SavorOne Cash Rewards Credit Card is ideal for those who spend frequently on dining, entertainment, popular streaming services, and at grocery stores.
Redemption
Capital One Quicksilver Student Cash Rewards: Cash back earned can be redeemed at any time and for any amount, typically as a statement credit to lower your balance or a check mailed to you.
Capital One SavorOne Rewards: Your rewards don't expire for the life of the account and can be redeemed for cash in the form of a statement credit or check.
Compare Top Rated Credit Cards with Kudos
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Who Should Choose the Capital One Quicksilver Student Cash Rewards?
The Capital One Quicksilver Student Cash Rewards credit card is an excellent choice for students looking to establish their credit file, as Capital One reports to all three major credit bureaus. It's also a strong contender for international students or those studying abroad, offering no foreign transaction fees and worldwide acceptance. Finally, students who travel can benefit from its rewards structure, which includes 5% cash back on hotels and rental cars booked through Capital One Travel.
Who Should Choose the Capital One SavorOne Rewards?
The Capital One SavorOne Cash Rewards Credit Card is designed for individuals with fair credit who are looking to build their credit profile while earning rewards. It's an excellent fit for those whose regular spending includes dining out, entertainment, popular streaming services, and shopping at grocery stores. Cardholders should be comfortable with a $39 annual fee and prioritize a straightforward cash back structure over introductory APR offers or a welcome bonus.
Alternatives to Consider
If you've weighed the Capital One Quicksilver Student vs Capital One SavorOne comparison and decided neither is the right fit, don't sweat it. Plenty of other student credit cards offer compelling rewards and benefits worth exploring.
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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Tips for Application Success
Before You Apply
- Know your credit profile as many cards are designed for specific ranges, such as fair credit or student applicants.
- Confirm your eligibility since some cards require specific statuses, like being a currently enrolled student.
- Plan your spending to naturally meet any welcome offer requirements without overspending.
Application Strategy
- Use pre-qualification tools - Many issuers let you check your eligibility without impacting your credit score.
- Look for targeted offers - Some cards are specifically designed for students or those with fair credit.
- Try different application methods - Sometimes applying through a different browser or device can yield a better offer.
Our Methodology
We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.
Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.
Frequently Asked Questions
What credit score do I need for the Capital One student cards?
Capital One markets these cards to students building their credit, so you may be approved with a fair credit score or even a limited credit history. Approval isn't guaranteed, as Capital One also considers other factors like your income.
What happens to my student card after I graduate?
You can continue to use your student card as usual after you graduate. Capital One may also offer to upgrade your account to a non-student version of the card, which could come with better benefits.
Do the Capital One Quicksilver Student and SavorOne Student cards have foreign transaction fees?
No, neither the Capital One Quicksilver Student Cash Rewards Credit Card nor the Capital One SavorOne Student Cash Rewards Credit Card has foreign transaction fees. This makes them excellent choices for studying abroad or making purchases from international vendors.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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