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Bottom line

The Journey Student Rewards from Capital One (No longer available) may be a decent option for students building credit who want a straightforward rewards program, but it falls short of several competing student cash back cards because of its high APR and low rewards rate.

Journey Student Rewards from Capital One

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Intro offer

Intro offer is not available for this Capital One credit card.

Rewards Rate

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month

Regular APR

On This Page

What are the pros and cons?

• Current offer details
• Key cardholder perks
• Understanding the fees
• Journey Student Rewards from Capital One vs. other student cards
• Is the card worth getting?
• Frequently asked questions

Journey Student Rewards from Capital One overview

A straightforward student card like the Journey Student Rewards Card from Capital One is a fantastic way to build credit history and learn the ropes of earning rewards. The Journey Student Rewards card weighs in as a solid starter card since it’s low-maintenance, earns cash back on all purchases, rewards good credit habits and poses no extraneous fees. Plus, its security benefits and lack of foreign transaction fees make it a great study abroad companion.

However, several other student cards may have more to offer once you’re comfortable with credit, and Capital One’s new student cards deliver a ton more value for equally fresh credit builders.

You can increase your cash back rate to 1.25 percent on purchases for the month after making an on-time payment.

The card charges no annual fee or foreign transaction fees.

You’re automatically considered for a higher credit line after only six months, which is one of the quickest review periods on the market.

This card has a high ongoing APR, even for a student credit card.

The card is missing zero-interest offers and common student perks like cellphone insurance, which other Capital One student cards offer.

You only receive your boosted rewards rate after making on-time payments each month.

A deeper look into the current card offer

Quick highlights.

• Rewards rate: Unlimited 1 percent cash back on all purchases — boosted to 1.25 percent for the month when the card is paid on time, 5 percent cash back on hotels and rental cars booked through Capital One Travel (terms apply)
• Welcome offer: N/A
• Annual fee: $0
• Purchase intro APR: N/A
• Balance transfer intro APR: N/A
• Regular APR: 29.99 percent (variable)

Rewards rate

The Journey Student Rewards card earns flat-rate cash back , meaning it earns the same rewards rate on all purchases. This rewards structure can be especially helpful for student expenses like textbooks, technology and student fees that typically aren’t bonus reward categories don’t typically cover. A flat-rate card is great for students new to credit because there are no bonus categories to track and there aren’t tiered categories, making earning rewards a simple process.

However, simplicity is not always best or the most rewarding. At its best, the Journey Student Rewards card is only a fraction better as a rewards card than some of the most basic secured cards and cards for fair credit users.

How you earn

You’ll earn 1 percent flat-rate cash back on all purchases, but that bumps up to 1.25 percent back for the month if you pay your credit card bill on time. This structure works by adding an extra 0.25 percent cash back on that billing cycle’s purchases to your rewards balance if Capital One sees that your account isn’t past due by the end of the billing period.

This rewards rate isn’t bad for a student, especially if you want simplicity, but it’s far from the best. You can get higher cash back rates if you’re willing to deal with bonus categories . 

How you redeem

Like other cash back credit cards , redeeming your rewards with the Journey card can be as simple as requesting your cash back in the form of a statement credit or a mailed check. Or, if you want to explore more redemption options, Capital One gives cardholders the chance to redeem cash back as credits for previous purchases, gift cards and checkout payments through PayPal and Amazon.com’s “Shop with Points” feature.

How much are the rewards worth?

The Journey card earns cash back, so your rewards are worth an equivalent of 1 cent or 1.25 cents per dollar, depending on the rate you qualify for – which is determined by whether you pay your bill on time or not.

Capital One’s terms on other redemption options, such as Amazon’s “Shop with Points,” state that your reward value may vary. However, basic cash back is the most versatile choice and will always keep its full value. If you want consistent, predictable rewards value, you should choose cash back.

Other cardholder perks

The Journey Student Rewards card carries extra features that are standard for other Capital One credit cards , but its student perks put it a notch above several other competitors if you’re looking for some peace of mind while shopping or traveling. 

Automatic credit line reviews

If you use your credit responsibly, you may qualify for an upgrade to a higher credit line in only six months. An increased credit limit could help you improve your credit score even faster if you keep a low credit utilization ratio .

Credit card security

Besides basic account alerts and card lock, students worried about identity theft can feel a bit safer with these features:

• CreditWise from Capital One: Cardholders can enroll for free in order to receive Experian and TransUnion credit report change alerts, as well as dark web scanning and Social Security number tracking. This level of credit monitoring means Capital One will let you know if it finds your Social Security number and other sensitive data possibly compromised on the internet.
• Virtual credit card numbers : Capital One is one of the few issuers that still offer virtual credit card numbers. Through the Capital One Eno browser extension, you can use randomly generated tokens instead of your credit card for online purchases for an added layer of security. Eno will even keep track of nicknames you give your virtual card numbers for each merchant.
• Fraud Coverage: You’re covered by $0 Fraud Liability if your card is ever lost or stolen and used to make unauthorized purchases.
• Emergency Card Services: If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance, subject to available credit.

Rates and fees

If you prefer a low-maintenance credit card to start with, the Journey Student Reward card doesn’t charge an annual fee or foreign transaction fees. However, there are no introductory APR offers in case you need to make big purchases for school or moving. Unfortunately, student credit cards usually carry high interest rates and late fees, and the Journey Student card is no different. Carrying a balance means that you could be hit with the 29.99 percent ongoing variable APR and a late payment fee up to $40.

This APR is still very high compared to other top student cards , depending on your credit score. On the bright side, the Journey card’s APR won’t change with a missed payment, since there is no penalty APR .

How the Journey Student Rewards from Capital One compares to other student cards

Overall, the Journey card provides slightly better benefits than some other cards, including Capital One’s credit line increase review at six months, but the cash back rate and practical everyday perks leave much to be desired compared to a few competing cards — even Capital One’s other student cards.

The Journey card also doesn’t waive your first late fee or offer intro zero-interest periods — key benefits other issuers may extend for students. If you’re a first-time cardholder who wants a safety net while building credit, you might want to look at alternative cards like the ones presented here:

Recommended Credit Score

Discover it® Student Cash Back

Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Bank of America® Customized Cash Rewards for Students credit card

Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings 2% cash back at grocery stores and wholesale clubs 1% cash back on all other purchases

Journey Student Rewards vs. Discover it® Student Cash Back

Rewards-wise, Discover student credit cards offer much more than the Journey Student Rewards card. The Discover it® Student Cash Back , earns higher rates of cash back on rotating bonus categories each quarter you enroll, up to a set spending cap before it drops to 1 percent. Discover also matches all the cash back you earn at the end of your first year with the card, maximizing its first-year value.

The Discover it® Student Cash Back is also one of your best options for a low-cost student card. The Journey Student Rewards card poses a higher-than-average variable APR, but the Discover it® Student Cash Back a much more reasonable variable APR, especially for a student card. Plus, the Discover it® Student’s intro APR offer already puts it ahead of the Journey Rewards Student card. Discover’s policy to charge no annual fee, foreign transaction fee, penalty APR or a late fee on your first late payment (up to $41 after) creates an excellent safeguard for students new to credit cards. The Journey Student Rewards card does win out if you would prefer a simpler rewards structure, even if it’s not as lucrative as what you could get out of a card with rotating bonus categories. As long as your focus is locked in on building credit and paying your balances in full every month, the Journey Student Rewards’ high APR could be a nonfactor. 

Journey Student Rewards vs. Bank of America Customized Cash Rewards credit card for Students

Although the Bank of America Customized Cash Rewards Card for Students’ benefits are light compared to Capital One cards, it can be a much more rewarding alternative to the Journey card in the right hands. It also comes with better interest rates and introductory APRs that can make early student life a breeze by comparison.

This Bank of America Customized Cash Rewards Card for Students earns impressive rates of cash back on purchases in one of six choice categories that you can swap each month based on your expected expenses. These categories include online shopping, gas, dining, travel drugstores and home improvement/furnishings. You’ll also get a competitive earning rate for purchases at grocery stores and wholesale clubs and 1 percent on all other purchases. The catch here is that your highest earning categories share a quarterly $2,500 spending limit for combined purchases before reverting to 1 percent. If you’d rather have higher cash back rates with some minor spending restrictions and fewer convenience features, like CreditWise and virtual account numbers, the Bank of America Customized Cash Rewards Card for Students may be the better fit for you. Still, strategizing and keeping a close eye on your monthly spending habits could be a time-consuming task for a busy student schedule. The Journey Student Rewards card keeps things simple by earning the same rate on all purchases, and you’d still have the opportunity to earn elevated rates on hotels and rental cars booked through the Capital One Travel portal. Your final decision between these two cards could come down to time, energy, and earning value.

Best cards to pair with the Journey Student Rewards Card from Capital One

Since the Journey Student Rewards card is a flat-rate card with a low 1 percent to 1.25 percent cash back when you make an on-time payment that month, other cash back cards with higher rewards rates in your top spending categories can help maximize your rewards earnings. 

If you tend to spend money on everyday purchases, like shopping or going out with friends, the Capital One SavorOne Student Cash Rewards credit card is an excellent choice to pair with the Journey Student Rewards. Its unlimited 3 percent cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart and Target) will be a great fit. Plus, the SavorOne Student gives you unlimited 8 percent back on entertainment purchases when you book through the Capital One Entertainment portal.

Bankrate’s Take — Is the Journey Student Rewards Card from Capital One worth it?

The Journey Student Rewards Card from Capital One is an understandable option for first-time cardholders who want an easy-to-handle cash back card for every occasion. The card’s 1 percent flat cash back rate on all purchases can seem like a generous offer, especially if you’ve never earned rewards before. Plus, the card’s perks can give you peace of mind when you’re shopping or traveling.

However, the card’s high ongoing APR and relatively low rewards rate might make other student cards more valuable and accessible. Other cards — including other Capital One student cards — also offer higher rewards rates and better perks like cellphone insurance.

*All information about the Bank of America® Customized Cash Rewards credit card for Students has been collected independently by Bankrate and has not been reviewed or approved by the issuer.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Frequently Asked Questions

Do you have to be a student to get the journey student rewards from capital one, is the journey student rewards card a visa or mastercard, what is the journey student rewards card’s credit limit, does the journey student rewards card have foreign transaction fees, what credit score do you need for the journey student rewards card.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Journey Student Rewards from Capital One review

Written by: Robin Ratcliff

In a Nutshell:

The Journey Student Rewards from Capital One is no longer available.

The Journey Student Rewards from Capital One has some great features to teach good credit management, but it’s weighed down by a high interest rate.

Other Notable Features: Bonus rewards for paying on time, credit tracking tools, credit line increase, no foreign transaction fee

With the Journey Student Rewards card, Capital One has designed a program for students geared to reinforce good credit habits, offering tools and incentives unmatched by any other student card. It is one of the best student cards for establishing good credit practices, although it falls short in other areas.

Motivates you to pay on time

Capital One provides some serious incentives for meeting your payment deadline. One of these is the CreditWise, which allows you to follow the progress of your credit score as you make or fail to make payments. After six months of timely payments, you’ll automatically be considered for a credit line increase. And then there’s a 25 percent increase to your cash back rewards every time you make the deadline. Capital One also allows you to set email and text alerts, to ensure that you don’t forget your deadline.

Cash back rewards are OK

On top of this, Capital One offers a cash-back program with a decent, if not stunning, rewards rate. You get 5 percent back on hotel and rental card bookings made through Capital One Travel as well as 1 percent back on all other purchases, a flat base rate you can boost to 1.25 percent if you make your payments on time. Rewards are also very flexible – you can redeem any dollar amount at any time. The overall value of the program is a drawback, however. Capital One falls short of other cash-back cards for students. Several cards offer large sign-up bonuses and a much higher rewards rate, thanks to rotating bonus categories.

The APR is high

The interest rate on this card is its biggest detractor. At 29.99% variable, it’s one of the highest among the student cards we reviewed. While we laud them for offering good credit management tools, we are less enthused about the high interest rate, since first-time cardholders are prone to missing payments and carrying balances. Also, there’s no introductory APR, which means cardholders are beholden to a high rate from the get-go.

This leaves us with mixed feelings about this card. We like that the card provides a strong set of incentives for good credit management, but we think the value of the card could be better. Aside from the high APR, the rewards program leaves something to be desired. We would recommend this card to first-time cardholders who are seeking to learn good credit habits with a card that contains a lot of user-friendly payment features – the value of the cash back program should be a second thought.

Is the Journey Student Rewards card worth it?

Why get the Journey Student Rewards card?

• You’re a frequent traveler who will benefit from the travel perks, including the lack of a foreign transaction fee.
• You want a card with a long list of features and perks.
• You want a card that rewards you for having good spending practices.
• You want a simple, straightforward card that will help you build a strong credit history with responsible use.

How to use the Journey Student Rewards card:

• You can transfer a balance with no fee, but we wouldn’t recommend it due to the high APR ($0 balance transfer fee at the Transfer APR).
• Make your payments on time to earn extra rewards points and increase your credit limit.
• Use the text and email alerts to stay on top of your due dates.

All information about the Journey Student Rewards from Capital One has been collected independently by CreditCards.com and has not been reviewed by the issuer.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Building credit with the capital one journey student rewards card, alternative cards, our methodology.

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Journey Student Rewards from Capital One: Students Can Build Credit at Home or Abroad

College students can use this credit card to build credit and earn cash back.

Jaclyn DeJohn

Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. With responsibility for overseeing CNET's credit card coverage, she writes and edits news, reviews and advice. She has experience covering business, personal finance and economics, and previously managed contracts and investments as a real estate agent. Her tech interests include Tesla, SpaceX, The Boring Company and Neuralink.

The Journey Student Rewards from Capital One has been discontinued. Here are some similar credit card options for students.

Discover it® Student Cash Back

Capital One SavorOne Student Cash Rewards Credit Card

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

The Journey Student Rewards from Capital One* is designed for students looking to build credit with responsible use while earning cash back on purchases.

Though it doesn’t offer the best rewards of any  student credit card , the Journey Student card has a few compelling benefits. With  no foreign transaction fees , it’s a good choice for students studying abroad. It also makes a good  first credit card , with extra cash back incentives for making on time payments. That noted, this card has a particularly high APR at 29.99% variable, so you’ll want to make sure you pay off the balance in full every month.

Otherwise, there’s not much else that’s noteworthy about this card: no  introductory APR , no  welcome bonus , no travel perks. But it’s a decent stepping stone for  improving credit  and setting the stage for a  credit card with better rewards  and perks.

The model is simple and straightforward: Earn 1% on all purchases with the Capital One Journey Student Rewards Card -- with no limit. There are no bonus categories, unlike with most rewards credit cards, which means less to manage and track.

There is, however, a secondary reward: When you make your monthly payment on time, you’ll earn an additional 0.25%, for a total of up to 1.25% cash back. Though other student cards offer higher cash back rates, we appreciate the incentive for students getting started with building credit. Ontime payments are a major component of a credit score.

This card is designed to help students build credit. As such, there are some best practices for cardholders to bear in mind. As with any credit card, using 30% or less of your  credit limit  will have the best impact on your credit score. Known as a “credit utilization ratio,” this ratio makes up  a major part of your credit score. 

That noted, if you find that your monthly spending is regularly exceeding the 30% guideline, you could proactively reach out to Capital One to discuss a credit limit increase.

Otherwise, after six months, Capital One will automatically review your account. If you have been making your payments on time and keeping your balance in check, you may automatically earn a higher credit limit. 

By making your payments on time and keeping your balance relatively low, you should be able to increase your credit score over time.

Though we appreciate the simplicity of the Journey Student Rewards card, you can earn more cash back with student credit cards that offer more complicated rewards programs.

The Discover it® Student Cash Back* is the best way to earn the most cash back for most students. You earn the standard 1% on all purchases, and 5% on everyday purchases at select rotating locations each quarter when you activate, on up to $1,500 of spending each quarter, then 1%. Select locations have included grocery stores, gas stations, restaurants, Target, Walmart, Amazon and more. Just as significant is the Unlimited Cashback Match™ welcome bonus, which essentially doubles your cash back earned at the end of your first year.

To learn more about the rotating category and other perks, see our full review of the  Discover it Student Cash Back  card. 

The Capital One SavorOne Student Cash Rewards Credit Card* offers the same 1% on all of your purchases, but with a handful of important bonus categories.

You’ll earn 3% cash back on dining at restaurants, grocery stores (excluding superstores like Target and Walmart) and for entertainment. Entertainment includes movie theaters, sports promoters, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. There’s also  no annual fee .

What’s more is you’ll get a pretty solid welcome bonus as far as student credit cards go. If you spend $100 in the first three months of opening your account, you’ll earn a $50 cash bonus.

Capital One Journey Student Card lists their acceptable credit history as “fair” -- which would be a credit score between 580 and 669. However, it is not unusual for a student to get approved for a student credit card despite not having previous credit accounts.

Once you graduate, you are eligible to upgrade to a non-student credit card. These cards often offer better rewards and perks. You’ll likely need to provide your income and housing payment information to your credit card issuer first.

Capital One considers anyone currently enrolled at an accredited university, community college or other higher education institution to be a student. You may also be admitted and planning to enroll in the next 3 months.

CNET reviews credit cards  by exhaustively comparing them across set criteria developed for each major category, including cash back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone’s financial situation is different -- and the designated function of a card.

* All information about the Discover it Student Cash Back, Journey Student Rewards from Capital One and Capital One SavorOne Student Cash Rewards Credit Card have been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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Should college students have credit cards?

January 9, 2024 | 6 min read

Tuition. Rent. Food. Books. Gas. There’s a lot to handle in college as you build your future. No wonder you’re thinking about getting your first credit card. But just because responsible use of a card can help you budget and build credit doesn’t necessarily mean it’s right for you.

There’s no right or wrong answer to whether college students should have credit cards. It’s a highly individual choice and depends on your specific situation. Before you make that decision, here are some points to think through.

Key takeaways

• With responsible use, credit cards can help college students build credit history, be prepared in an emergency and learn how to manage their finances.
• To use credit responsibly, it helps for students to understand things like card terms and conditions, interest rates and potential fees.
• Credit card options for students include a student credit card, a secured credit card or becoming an authorized user on someone else’s credit card. 

Student rewards credit cards

With responsible use, students can earn cash back rewards today while building credit for tomorrow.

Why should college students have credit cards?

You’re probably already picturing how having a credit card could help you in college . A card can help if you’re shopping online, buying groceries, paying bills, studying abroad or studying in the U.S. as an international student . Here are some other ways a credit card could be helpful, if you use it responsibly .

Build credit history

How you use and repay debt affects your credit history and credit scores , according to the Consumer Financial Protection Bureau (CFPB). And companies can use the information in your credit reports to decide whether to offer you a car loan, an apartment, a mortgage and sometimes even a job. Building a credit history in school means you won’t be starting from scratch when you graduate.

Prepare for emergency situations

What if your car breaks down or you need to upgrade your laptop or cell phone? If you don’t have an emergency fund , a credit card could help you deal with an unexpected cost. Just make sure that you don’t overuse this resource and have a plan in place for how you’ll pay it off. The CFPB notes you should be clear with yourself about what represents an emergency.

Learn to manage your finances

Having a credit card can help you build financial literacy through doing things like budgeting and making on-time payments. The CFPB says that young people learn financial skills more and benefit when they have opportunities to make their own financial decisions.

Earn cash-back rewards for essentials

Cash-back credit cards can help you get the most out of your spending . And when you’re a student, every little bit helps. It may be worth checking out other kinds of rewards credit cards too, if you’re interested in different perks.

Help protect yourself from fraud

If your cash is stolen, there might not be much you can do about it. But if you lose money through credit card fraud, you might not be held responsible. And if you’re a Capital One customer, your credit card has a number of security features that may help you detect fraud.

What are the disadvantages of credit cards for college students?

There are lots of good reasons to have a credit card in college. But everyone’s situation is different, and understanding how credit cards work and using them responsibly is important.

Consider your situation

Do you have a regular source of income? If you’re unable to make your credit card payments , it could result in derogatory marks on your credit reports. This will lower your credit scores.

Paying your statement on time every month is only one key to building credit. If you’re able to pay more than the minimum each month, it can help you limit or avoid interest charges on new purchases.

Understand the basics

Do you understand the basics, like how the interest rate works , credit card terms and conditions and  common credit card fees ? Different transactions might have different rates or fees. For example, a  cash advance might not be treated the same as a standard purchase.

Know the consequences

You could be tempted to overspend. Making late payments can result in late fees. You’ll be legally responsible for repaying your debt. And negative information could damage your credit scores, which could hurt your long-term goals, like owning a home or buying a car.

Credit card options for college students

If you’ve weighed the pros and cons and decided to go for it, you can start thinking about the best credit card for you. If you use them responsibly , the following options could be a good entry point into the world of credit: 

Student credit card. Having a student credit card isn’t that different from having a regular credit card. Student cards can be more accessible to those with no credit history . They may have features like credit-tracking tools that can help you build a healthy relationship with credit, and they might offer more fraud protection than a debit card. Capital One credit cards for students let you earn rewards while you build credit with responsible use. But make sure you understand how student credit cards work. They may come with a lower credit limit and a higher interest rate than some credit cards for people with a more established credit history.

Find a student card that fits your needs

Pre-approval makes it quick and easy to browse card offers without impacting your credit score.

• Secured credit card. With a secured credit card, you deposit an amount of money that the issuer holds as collateral, sometimes known as a security deposit. For example, the Capital One Platinum Secured card has refundable security deposits of $49, $99 or $200, depending on your creditworthiness , for an initial credit line of $200. Deposit more, and you could raise your credit line as high as $1,000. You can then use the card to make purchases just like you would with other credit cards. 
• Authorized user on someone else’s credit card. Becoming an authorized user means you get a card linked to an existing account that you’re authorized to use. The account could belong to a friend or family member who is willing to add you to their credit card account. You’ll get your own card linked to the account’s line of credit. The primary cardholder is ultimately the one who is responsible for the account. But the CFPB says negative actions, such as late payments, could affect both of your credit scores if they’re reported to credit bureaus.

Should you get a credit card in college, in a nutshell

Getting a credit card in college is an exciting milestone. And if it’s used responsibly, it can be a great way to jumpstart your financial future. Before you get a credit card as a college student, you should consider your financial situation and whether you will be able to use it responsibly. 

If you’ve decided you’re ready for it, you could see whether you’re pre-approved for some Capital One credit card offers, like the Capital One Platinum Secured card or a Capital One Student credit card . The pre-approval process is quick, only requires some basic info and won’t hurt your credit scores.

Related Content

A guide to finding the best student credit cards for you.

article | April 16, 2024 | 11 min read

Credit card tips for college students

article | February 11, 2021 | 5 min read

How to build credit as a college student

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Credit Cards

Capital One Quicksilver benefits guide 2024

Lee Huffman

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Published 5:47 a.m. UTC April 22, 2024

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If you’re looking for a straightforward cash-back program without an annual fee, the Capital One Quicksilver Cash Rewards Credit Card * The information for the Capital One Quicksilver Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. delivers. But the card is more than just a vehicle for budget-conscious consumers to earn rewards, as it comes with other perks, too. 

Capital One Quicksilver overview

The Capital One Quicksilver is a cash-back credit card that offers numerous benefits without charging an annual fee , including unlimited cash-back rewards, a welcome bonus, an intro APR offer and no foreign transaction fees. Here’s everything you need to know about the Capital One Quicksilver’s benefits and rewards.

Major Capital One Quicksilver benefits

As a cardholder, you gain access to Capital One Quicksilver benefits that can enhance the value of your rewards credit card. Some benefits are available for a limited time only, so use them right away to maximize their value.

An easy-to-attain welcome bonus

With the Capital One Quicksilver, you can earn a $200 cash bonus after spending $500 on purchases within the first three months of account opening. The minimum spending requirement to earn this bonus is significantly lower than many other cash-back cards that require spending of upwards of $1,500 or more to earn a bonus.

An intro APR offer on purchases and balance transfers

When you open a Capital One Quicksilver card, one of the benefits is an intro APR offer on purchases and balance transfers. You’ll get a 0% intro APR on purchases and balance transfers for 15 months, then a 19.99% to 29.99% variable APR. There is a 3% fee on each balance transfer in the first 15 months but no fee for amounts transferred at the purchase APR after the first 15 months.

Keep in mind that the standard APR applies to any remaining balance when the intro APR promotion is over.

Unlimited cash-back rewards

One Quicksilver card benefit that is available year after year is the ability to earn an unlimited 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel. This gives you a decent cash-back earnings rate on most of your spending without having to keep track of bonus categories. 

Additionally, when you book hotels or rental cars through Capital One Travel, you’ll receive an elevated cash-back rate. Capital One’s travel portal offers free price drop protection on qualifying flights, competitive hotel rates and price matching within 24 hours of booking.

Rewards never expire as long as your account is open and in good standing. You can redeem rewards manually or set up an automatic redemption on either specific calendar days or whenever your rewards balance exceeds a set dollar amount.

No foreign transaction fees

None of Capital One’s credit cards charge foreign transaction fees. These hidden fees increase the cost of your international purchases by up to 3%. Using a card without foreign transaction fees can save you money when traveling or making purchases from an overseas vendor. Capital One will automatically convert the charges to U.S. dollars without tacking on any fees.

Additional benefits worth noting

Other Capital One Quicksilver benefits also provide value, even if they aren’t used frequently. For some cardholders, these benefits can be worth as much as, if not more than, the rewards earned on the card.

Complimentary Uber One membership

When you activate this benefit, you’ll receive up to six months of complimentary Uber One membership statement credits. This benefit is available through November 14, 2024, but note that activation is required. An Uber One membership normally costs $9.99 per month and includes $0 delivery fees on eligible Uber Eats orders, member pricing, no cancellation fees or penalties, as well as other benefits.

Extended warranty

The manufacturer’s warranty is extended for up to an additional year, on eligible purchases made with the card. This benefit applies to eligible warranties of three years or less and doubles the warranty period up to one additional year. For example, if the manufacturer’s warranty is three months, you’ll receive an additional three months of coverage, for a combined total of six months of coverage.

Virtual card numbers

Purchases made online and over the phone are often targeted by criminals to steal your credit card information. Capital One cardholders can use free virtual card numbers from Eno to protect their information and reduce the potential for unauthorized transactions.

Potential drawbacks

While many Capital One Quicksilver benefits are included with the card, no card is perfect. Here are some of the drawbacks to consider.

• Limited redemption options. You have limited redemption options and the card does not have any airline or hotel transfer partners. There are no redemption options to receive outsized value for your rewards, just cash back.
• No bonus categories. Bonus categories provide additional rewards on purchases made at eligible merchants. Getting a card with bonuses that match your biggest spending categories allows you to maximize your rewards.
• Requires excellent credit. People with blemishes on their credit may not qualify for the Quicksilver Card. If your credit needs repair, the Capital One Quicksilver Secured Cash Rewards Credit Card * The information for the Capital One Quicksilver Secured Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns cash-back rewards while building credit.

If the drawbacks are too much for you, you can always opt to cancel your Capital One credit card .

Should you get the Capital One Quicksilver?

The Capital One Quicksilver cash rewards credit card is an excellent choice for people who want a straightforward cash-back credit card . It earns unlimited and straightforward cash-back rewards on every purchase without having to remember bonus categories or activating limited-time offers. 

As a new cardholder, you can earn a welcome bonus and enjoy 15 months of interest-free financing on purchases and balance transfers. Take advantage of the Capital One Quicksilver benefits to maximize the value of your card.

However, if your spending is concentrated in a few categories, you might be better off finding a card with matching bonus categories so you can maximize the rewards on your purchases. 

Additionally, if you like to travel, consider instead one of best travel rewards credit cards that offers transfer partners or comprehensive travel protections. These features can enhance the value of your rewards and save money in case you face problems with your travel plans.

Frequently asked questions (FAQs)

You’ll earn a $200 cash bonus after spending $500 on purchases within the first three months of account opening. These rewards won’t expire as long as your account is open and in good standing. You can redeem rewards for cash back, statement credits or gift cards.

No, you won’t receive rental car insurance when paying with your Capital One Quicksilver Card. For rental car insurance against theft or damage, consider a card like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which offers primary auto rental coverage.

Travelers receive automatic travel accident insurance for covered losses on reservations made with the Capital One Quicksilver card. However, the Capital One Quicksilver’s travel benefits are limited; it does not offer trip delay, cancellation or interruption insurance, rental car protection or baggage insurance. To receive these protections, consider a card like the Chase Sapphire Preferred® Card or the Capital One Venture X .

The Capital One Quicksilver includes numerous benefits, but reimbursement for TSA PreCheck is not one of them. For a low-annual-fee Capital One card that reimburses Global Entry or TSA PreCheck application fees, consider the Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which has a $95 annual fee and will reimburse you up to $100 (via statement credit) every four years for the application fee for one of those Trusted Traveler programs.

The Capital One Quicksilver and Capital One QuicksilverOne cards both earn an unlimited 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel, but there are distinct differences.

People with excellent credit are more likely to qualify for the Quicksilver card, which has no annual fee, a lower interest rate, and new cardholders can earn a welcome bonus and take advantage of an intro APR promotion. However, the QuicksilverOne card charges a $39 annual fee and targets people with fair credit.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*The information for the Capital One Quicksilver Cash Rewards Credit Card, Capital One Quicksilver Secured Cash Rewards Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Lee Huffman spent 18 years in banking and investments and now uses that insider knowledge to write about credit cards, travel, and other personal finance topics. Lee enjoys showing people how to travel more, spend less, and live better through the power of travel rewards. You can connect with him at BaldThoughts.com.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

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Wells Fargo Autograph Journey vs. Capital One Venture: Both Have Bragging Rights

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

The Capital One Venture Rewards Credit Card has long been a mainstay for travelers seeking low-effort rewards for a relatively modest annual fee. It touts a generous sign-up bonus, the same rewards rate for most purchases, flexible rewards redemption options and additional travel benefits that boost its value.

The Wells Fargo Autograph Journey entered the credit card marketplace in March 2024, but it’s quickly catching up with the Capital One Venture Rewards Credit Card . You can earn a sign-up bonus and elevated rewards in certain spending categories. Redeeming your rewards is easy with this card, too. Plus, it provides impressive travel protections.

Which card is right for you comes down to which perks you value the most. Here’s how to decide.

» MORE: NerdWallet’s best travel credit cards

Why you might prefer the Capital One Venture Rewards Credit Card

Compared with other travel credit cards that have convoluted rewards programs, the $95 -annual-fee Capital One Venture Rewards Credit Card has always kept earning and redeeming miles super simple.

Flat rewards rate

The Capital One Venture Rewards Credit Card earns:

2 miles per dollar spent on purchases.

5 miles per dollar on hotels and car rentals booked through Capital One's travel portal. 

For the most part, there are no spending categories to memorize — just a decent rewards rate no matter where you use the card. If you want travel rewards that keep it simple, this is hard to beat.

» MORE: Capital One Miles: How to earn and use them

Sign-up bonus

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. That’s a lot of value in the first year you carry this card.

Flexible redemptions

There are multiple ways to use your miles:

Cover the cost of travel purchases made within the past 90 days. Eligible travel purchases include airlines, hotels, trains, buses, rental cars, cruises, taxis and limousine services, travel agents and timeshares. 

Redeem miles on Capital One's travel portal for flights, car rentals and hotel bookings.

Transfer rewards to other eligible Capital One cards.

Transfer rewards to Capital One’s airline and hotel transfer partners.

Aeromexico (1:1 ratio).

Air Canada (1:1 ratio).

Air France-KLM (1:1 ratio).

Avianca (1:1 ratio).

British Airways (1:1 ratio).

Cathay Pacific (1:1 ratio).

Emirates (1:1 ratio).

Etihad (1:1 ratio).

EVA (2:1.5 ratio).

Finnair (1:1 ratio).

Qantas (1:1 ratio).

Singapore Airlines (1:1 ratio).

TAP Air Portugal (1:1 ratio).

Turkish Airlines (1:1 ratio).

Accor (2:1 ratio).

Choice Privileges Hotels (1:1 ratio).

Wyndham Rewards (1:1 ratio).

You can also redeem miles for cash back or gift cards, but redemption values vary, so this isn’t an ideal way to use your rewards.

Travel and entertainment extras

The Capital One Venture Rewards Credit Card offers a statement credit of up to $100 to cover the cost of TSA PreCheck or Global Entry every four years. You’ll also get Hertz Five Star status, which offers a wider selection of rental cars, upgrades when available and more.

Get access to VIP event experiences and ticket presales through Capital One Entertainment . You can also book tables at in-demand restaurants and attend special events through Capital One Dining.

Why you might choose the Wells Fargo Autograph Journey instead

Like the Capital One Venture Rewards Credit Card , the Wells Fargo Autograph Journey has a $95 annual fee and travel-focused rewards. While it lacks a statement credit for TSA PreCheck or Global Entry, the card offers other benefits, including robust travel protections.

Higher rewards in specific categories

The Wells Fargo Autograph Journey earns:

5 points per $1 on hotels.

4 points per $1 on airlines.

3 points per $1 on other travel and dining.

1 point per $1 on other purchases.

That’s a bit more complicated than the flat rate on most purchases with the Capital One Venture Rewards Credit Card , but it’s potentially more rewarding if you spend more on travel and dining specifically.

» MORE: Wells Fargo Rewards: How to earn and use them

Welcome offer

Earn 60,000 bonus rewards points after spending $4,000 in the first 3 months. That’s not as generous as the sign-up bonus on the Capital One Venture Rewards Credit Card , but it’s still a nice bonus if this is the card you choose.

Redeem rewards for not just travel, but also statement credits to offset eligible purchases, gift cards, charitable donations and merchandise. You can also pay with points at select merchants.

Another option is to transfer points to Wells Fargo’s airline and hotel partners. It’s a relatively short list for now, but according to Wells Fargo, there are plans to expand it.

Aer Lingus (1:1 ratio).

Iberia (1:1 ratio).

Choice Privileges Hotels (1:2 ratio).

The Wells Fargo Autograph Journey lacks a TSA PreCheck/Global Entry credit, but it does offer a $50 annual statement credit for airfare purchases. The Capital One Venture Rewards Credit Card offers no such credit toward airfare.

Plus, with the Wells Fargo Autograph Journey, you’ll have robust travel protections, including a reimbursement of up to $15,000 if your trip is canceled for a covered reason.

You can also take advantage of Autograph Card Exclusives, which is a series of concerts in small venues.

Cell phone protection

If you pay your cell phone bill with your Wells Fargo Autograph Journey, you’re covered if your phone is stolen or damaged. You can claim up to $1,000, with a maximum of two claims per year.

» MORE: NerdWallet's best credit cards for cell phone insurance

Which card should you get?

When you compare these two cards, it comes down to rewards earnings and perks. Opt for the Capital One Venture Rewards Credit Card if you prefer simple rewards and want to save on TSA PreCheck or Global Entry.

The Wells Fargo Autograph Journey may be a better match if you want to earn more rewards on certain spending and you’d like enhanced travel and cell phone protections.

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

1%-10% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Terms apply.

$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

2x-10x Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, Earn unlimited 2X miles on all other purchases.

75,000 Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

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• Key takeaways

Is the Capital One QuicksilverOne Cash Rewards card worth it?

Capital one quicksilverone credit card rewards, capital one quicksilverone credit card benefits, capital one quicksilverone credit card fees, rates & limit, how the capital one quicksilverone cash rewards card compares, is the capital one quicksilverone cash rewards card right for me, how do i apply for the capital one quicksilverone card, faq: capital one quicksilverone credit card.

Capital One QuicksilverOne Review: Good Rewards for Fair Credit

• The Capital One QuicksilverOne Cash Rewards Credit Card is intended for people who have fair credit.
• What we think: If your options are limited because your credit is less than ideal, the QuicksilverOne card can give you a chance to earn solid cash-back rewards for a low ($39) annual fee. Its APR is insanely high though, so try not to carry a balance.
• Purchases made using this card earn 1.5% cash back; certain travel bookings earn 5% cash back.
• The QuicksilverOne has a 30.74% variable APR and a $39 annual fee.
• CreditWise® monitoring and automatic credit-line reviews are included with the card.

It’s not always easy to find the best rewards card when you have fair credit, but the Capital One QuicksilverOne Cash Rewards Credit Card delivers. With its simple rewards program, automatic limit increases and included credit management tools, this Capital One card can help you earn cash back while you build credit.

But is the interest rate manageable? What’s the annual fee?

In this Capital One QuicksilverOne review and guide, we’ll go through the card basics and cover the information you need to know, including:

• QuicksilverOne rewards
• Benefits of the QuicksilverOne card
• Terms for the Capital One QuicksilverOne
• Unlimited 1.5% cash back on all purchases
• Can qualify with fair credit
• Has an annual fee

The Capital One QuicksilverOne Cash Rewards Credit Card is a solid choice if you have fair credit. Although it has an annual fee, this card offers a simple cash-back program with unlimited earning potential and flexible redemption options. You’ll also get access to Capital One CreditWise®, which helps you monitor your credit and identify ways to shore up your score. As you use the card responsibly, the bank will automatically consider you to increase your credit limit .

Pros and cons of Capital One Quicksilver card

• Available to people with fair credit
• Unlimited 1.5% cash-back rewards
• Flexible reward redemption
• Automatic credit line increases
• Access to CreditWise® credit monitoring
• No foreign transaction fees
• $39 annual fee
• High variable APR
• No welcome bonus
• Doesn’t offer a 0% introductory APR

Learn more about Capital One QuicksilverOne card

Rewards are one of the biggest perks of the QuicksilverOne from Capital One. They’re easy to earn, and you can choose from a variety of redemption options.

Earn Capital One QuicksilverOne Cash Rewards credit card rewards

The QuicksilverOne credit card has a straightforward cash rewards system. You don’t need to worry about keeping track of reward tiers and categories — for every purchase, you earn 1.5% cash back. There’s one exception: when you book hotels or rental cars in the Capital One Travel portal, you’ll earn 5% cash back. Rewards are unlimited, and they never expire while the account is open.

If you charge a significant percentage of your expenses, this card may offer a good value. Spend $1,000 every month for a year, and you’ll get $180 in cash back. Just make sure to keep an eye on the interest charges.

Redeem Capital One QuicksilverOne Cash Rewards credit card rewards

Capital One offers several ways to redeem your cash-back rewards:

Cash redemption

Use your rewards as a credit on your statement. If you prefer, Capital One will send you a check.

Pay for purchases

When you’ve accumulated rewards, you can use the money to pay down a recent purchase.

Capital One allows you to purchase gift cards with your cash-back rewards. Choose from a variety of retailers; cards are delivered digitally, so you can use them online or in store.

When you use the Capital One Travel portal, you can use your rewards to pay for part or all of a booking.

The QuicksilverOne card also offers an automatic redemption option. With this feature, Capital One will automatically redeem your rewards during a specific month each year or when the value reaches your chosen threshold.

The QuicksilverOne card comes with an array of benefits:

• No required deposit. You can get the QuicksilverOne card without paying a security deposit.
• CreditWise®. QuicksilverOne includes access to CreditWise®, a tool that helps you track your credit health.
• Fraud protection. If you lose your card, or if it’s stolen, you’re not liable for any fraudulent charges that result.
• Emergency replacements. Capital One will send you a replacement if your card is lost or stolen. 
• Mastercard ID Theft Protection™. This free service scans for data breaches that include your personal information and lets you know quickly, so you can help prevent or offset the effects of identity theft.
• Uber One membership. For a limited time, the QuicksilverOne card gives you a free Uber One membership for six months. You must sign up for the service using your card, and Capital One will give you statement credits to cover the monthly fee.
• Capital One Travel. With QuicksilverOne, you have access to the Capital One Travel portal. There, you can book hotels, flights and rental cars; some bookings will earn 5% cash back.
• Cafe discounts. When you use your QuicksilverOne card to buy a beverage at a Capital One Café, you’ll get 50% off.

As you evaluate the QuicksilverOne card, fees and interest rates are key considerations. Before you apply, make sure you’re comfortable with the terms.

Capital One QuicksilverOne Cash Rewards card fees

The QuicksilverOne credit card has an annual fee of $39. To put that in perspective, you’d need to charge at least $2,600 to earn that much in 1.5% cash rewards. However, unlike secured credit cards designed for people with fair credit, the QuicksilverOne doesn’t require a security deposit.

When you use the card for cash advances, Capital One charges the greater of $5 or 5% of the advance. There are no foreign transaction fees, which can save you a significant amount of money if you travel abroad frequently. Thinking about transferring a balance? You can do so without paying a fee.

Capital One QuicksilverOne Cash Rewards card interest rates

The QuicksilverOne credit card has a variable annual percentage rate (APR) of 30.74%. That’s quite high, but you can avoid excessive interest charges by paying off your balance each month. There are no introductory offers in terms of APR, and any balance transfers will be charged at the same 30.74% rate.

Here’s an overview of the QuicksilverOne interest rates:

Capital One QuicksilverOne Cash Rewards card credit limit

If you’re approved for the QuicksilverOne, your initial credit limit will depend on the information you provided in the application.

Here’s the best part: as soon as six months after you open the account, you’ll be eligible for an automatic credit line review. If the bank determines it’s appropriate, it will increase your QuicksilverOne credit limit. You may be able to increase your odds by paying your monthly statements on time and improving your credit score .

Compared to other credit cards for fair credit , the QuicksilverOne card is a strong contender. It allows you to access credit without making a deposit, and it comes with free credit-monitoring tools and automatic limit increases. Unlike many other cards in this category, the QuicksilverOne offers cash-back rewards.

On the negative side, this credit card does come with a high APR and a $39 annual fee. The fee isn’t unusually high, but it is a consideration. If you tend to carry a high balance from month to month, you could end up paying a significant amount in interest.

Capital One QuicksilverOne Cash Rewards Credit Card vs. Capital One Platinum Credit Card

The Capital One Platinum Credit Card may be a good option if you have fair credit, but you don’t care about rewards. In fact, if you don’t plan to charge at least $217 per month or $2,600 per year — the amount you need to offset the QuicksilverOne’s annual fee with rewards — you may be better off choosing the Platinum card. This card has no annual fee , and it offers the same APR, credit line reviews and CreditWise® access.

Read our full Capital One Platinum card review

The Capital One QuicksilverOne cash rewards card could be the right fit if you want to earn rewards while you’re expanding your credit profile or you’re looking for a card to build credit . This can be the case if you’re new to the world of credit cards and your credit history is less than three years old. You might also apply if you’ve defaulted on a loan in the past few years. 

The APR is high, which is standard for this type of card. However, if you can get approved for a card with a good interest rate — even if it doesn’t offer rewards — it may be a better option.

You might also consider the QuicksilverOne if you travel regularly but don’t qualify for higher-tier travel credit cards . As long as you book through Capital One Travel, you can get 5% back in cash rewards for rental cars and hotels.

You can learn more about the Capital One QuicksilverOne card and apply online.

If your credit is considered fair, you can apply for the Capital One QuicksilverOne card. While the bank doesn’t publish specific credit score requirements, it does note that “fair” often includes FICO credit scores ranging from 580 to 669. If your score falls in this range and you have a reliable income, you have a decent chance of being approved. Capital One also considers other factors, including your total debt.

Not sure if you qualify? Capital One offers a preapproval process that lets you know your odds of acceptance. If the bank determines that the likelihood is low, you can exit the process without impacting your credit score. If you’re likely to be approved, you can complete the rest of the application and authorize the bank to do a hard credit inquiry .

Applying for the QuicksilverOne card takes just a few minutes; you can complete the process online. Expect to provide details about your residence, income, employment and financial obligations.

Is the Capital One QuicksilverOne card worth it?

The QuicksilverOne card may be a worthwhile consideration if your credit score is fair, and you’re searching for a rewards card. It offers a decent 1.5% in cash-back rewards, and you can earn an unlimited amount. However, since the card has a high variable APR of 30.74%, it’s important to stay in control of your balance to avoid high-interest charges.

Is the Capital One QuicksilverOne card hard to get?

The QuickSilverOne is one of four Quicksilver cards offered by Capital One; it’s intended for people who have fair credit. Qualification decisions vary based on factors including your ability to pay and your credit score; you might be able to get approved with a score between 580 and 669.

Is Capital One QuicksilverOne a Visa or Mastercard?

The QuicksilverOne card is a Mastercard.

Can you upgrade a Capital One QuicksilverOne card?

You may be able to upgrade your QuicksilverOne credit card after a period of responsible use and on-time payments. That decision is up to Capital One — you can call the provider to inquire about upgrade options. In some cases, the bank will send upgrade offers through the mail. Make sure to ask if welcome bonuses and introductory APRs are included in the upgrade.

What are the best Capital One QuicksilverOne card benefits?

The most important benefit of the Capital One QuicksilverOne card is that it offers unlimited 1.5% cash-back rewards. You can earn this rate on any purchase; it increases to 5% when you reserve a hotel or rental car using Capital One Travel. Other benefits include access to Capital One CreditWise®, easy online banking, automatic credit limit reviews and a free six month membership with Uber One (while the promotion lasts).

Imogen Sharma is a freelance writer with an extensive portfolio, covering topics such as finance, business management, investing, and startups. Before becoming a full-time writer, Imogen managed high-volume fine dining restaurants in London with a knack for pricing and P&L management that contributed to sustained growth.

Imogen has contributed bylined and ghostwritten content for thought-leading publications in business, finance and technology. Topics covered include business loans, personal loans, startup funding and real estate investments.

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Capital One miles: How to earn, redeem and transfer rewards

Transferable credit card rewards are especially valuable because of the many ways you can redeem them. You might be familiar with rewards like Chase Ultimate Rewards points and American Express Membership Rewards points. But, another transferable reward currency that can offer significant value to some travelers is Capital One miles .

Capital One miles are appealing for many reasons. For example, several Capital One cards that earn miles earn more than 1 mile per dollar spent on all purchases. And one Capital One card that earns miles only requires good credit. Plus, you should always be able to get at least 1 cent per mile when you redeem — and you may get significantly more value if you use Capital One's transfer partners .

So, here's everything you need to know about Capital One miles.

What are Capital One miles?

Capital One miles are the rewards you earn with select Capital One cards , including the Capital One Venture X Rewards Credit Card and Capital One Spark Miles for Business .

You can redeem these miles in many ways, including transferring to select airline and hotel loyalty programs, redeeming for travel book ed through the Capital One travel portal and redeeming to cover recent travel purchases.

Related: Who should (and shouldn't) get the Capital One Venture X card?

How to earn Capital One miles

You can earn Capital One miles through select credit cards. In particular, most Capital One credit cards offer an initial sign-up bonus when you open a new card and meet the specified spending requirements to earn the bonus. You'll also earn miles on most purchases, and some cards even offer anniversary bonus miles each year you renew your card.

Although Capital One offers many different credit cards, the Capital One cards that earn miles are those in the Venture and Spark Miles families. Here's a quick look at these cards and who they are best for:

• Capital One Venture X Rewards Credit Card : Best for earning Capital One miles if you'll use the $300 Capital One Travel credit each account anniversary year ($395 annual fee; see rates and fees )
• Capital One Venture Rewards Credit Card : Best for earning Capital One miles ($95 annual fee; see rates and fees )
• Capital One VentureOne Rewards Credit Card : Best for earning Capital One miles without paying an annual fee ($0 annual fee; see rates and fees )
• Capital One VentureOne Rewards for Good Credit : Best for earning Capital One miles with good credit ($0 annual fee; see rates and fees )
• Capital One Venture X Business : Best business card for earning Capital One miles if you'll use the $300 Capital One Travel credit each account anniversary year ($395 annual fee; see rates and fees )
• Capital One Spark Miles for Business : Best business card for earning Capital One miles with a sub-$100 annual fee ($0 introductory annual fee for the first year, $95 after that; see rates and fees )
• Capital One Spark Miles Select for Business : Best business card for earning Capital One miles without paying an annual fee ($0 annual fee)

The information for the Capital One Spark Miles Select card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

You can convert Capital One cash back into miles if you have one of the above cards. That means if you have a Capital One card like the Capital One SavorOne Cash Rewards Credit Card that earns cash-back rewards, you can convert your cash-back rewards into Capital One miles if you also have a card that earns Capital One miles.

I have the Capital One Venture X Rewards Credit Card and plan to keep it long-term since it offers perks that more than offset its $395 annual fee (see rates and fees ). After all, I easily use the $300 Capital One Travel credit each account anniversary year by booking flights through the travel portal, and the 10,000-mile anniversary bonus is worth about $185 based on TPG's valuations . But check out our Capital One Venture X card review to learn about its many other valuable perks.

Related: The best time to apply for these popular Capital One credit cards based on offer history

Capital One transfer partners

Capital One partners with several airline and hotel loyalty programs. You can transfer Capital One miles to these partner programs and then redeem through these loyalty programs if you wish.

Here's a look at the current Capital One transfer partners and the standard transfer ratios:

• Accor Live Limitless : 2:1 transfer ratio
• Aeromexico Rewards : 1:1 transfer ratio
• Air Canada Aeroplan : 1:1 transfer ratio
• Air France-KLM Flying Blue : 1:1 transfer ratio
• Avianca LifeMiles : 1:1 transfer ratio
• British Airways Executive Club : 1:1 transfer ratio
• Cathay Pacific Asia Miles : 1:1 transfer ratio
• Choice Privileges : 1:1 transfer ratio
• Emirates Skywards : 1:1 transfer ratio
• Etihad Airways Guest : 1:1 transfer ratio
• EVA Airways Infinity MileageLands : 4:3 transfer ratio
• Finnair Plus : 1:1 transfer ratio
• Qantas Frequent Flyer : 1:1 transfer ratio
• Singapore Airlines KrisFlyer : 1:1 transfer ratio
• TAP Air Portugal Miles&Go : 1:1 transfer ratio
• Turkish Airlines Miles&Smiles : 1:1 transfer ratio
• Virgin Red : 1:1 transfer ratio
• Wyndham Rewards : 1:1 transfer ratio

Transfer bonuses may occasionally let you transfer Capital One miles to one or more partner programs at an elevated rate. Remember, transfers are one-way: Transferring rewards back to Capital One miles is almost always impossible once you've transferred them to a loyalty program.

Related: Why transferable points are worth more than other rewards

How to redeem Capital One miles

You'll see multiple options for redeeming Capital One miles in your online account.

You'll typically get the best value when you transfer your miles to airline and hotel partners, but you can also get decent value when booking through the Capital One travel portal or redeeming miles to offset recent travel purchases. Here are your options and the redemption value each should provide.

Redeem with airline and hotel partners

As mentioned above, you'll typically get the best value from your miles when you transfer them to airline and hotel partners by clicking "Convert rewards." In the previous section, I listed the Capital One transfer partners and the ratios at which you can transfer Capital One miles to each partner.

Based on TPG's valuations, you can expect to get about 1.85 cents per Capital One mile when you redeem with airline and hotel partners. However, the exact value you get will depend on which transfer partners you use and the types of awards you book with these partners. Check out our story on maximizing Capital One miles for some recommendations.

Related: How to transfer Capital One miles to airline and hotel partners

Book through the Capital One travel portal

You can also redeem miles at a rate of 1 cent per mile when booking flights, hotels and rental cars through the Capital One travel portal . However, if you book paid travel through the Capital One travel portal with your Capital One card that earns transferable miles, you can earn as follows:

• Venture X and Venture X Business : 10 miles per dollar on hotels and rental cars and 5 miles per dollar on flights booked through Capital One Travel
• Venture, VentureOne, VentureOne for Good Credit, Spark Miles and Spark Miles Select : 5 miles per dollar on hotels and rental cars booked through Capital One Travel

As such, I recommend booking paid rates instead of redeeming Capital One miles when you book travel through the Capital One travel portal. Even if you want to redeem miles for your flight, hotel or car rental booking, you'll often be better off using miles to cover recent travel purchases instead of redeeming when booking through the travel portal.

Related: Should you transfer Capital One miles to partners or redeem directly for travel?

Cover travel purchases

You can redeem Capital One miles to cover recent travel purchases made with your card. Capital One says eligible travel purchases usually include those you make with "airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares." However, whether a specific purchase is eligible depends on the merchant category code attached to the purchase.

You'll see any eligible purchases — which are travel purchases posted to your account in the last 90 days — listed in your online account when you click "Cover travel purchases."

You can opt to cover the entire purchase if you have enough miles. Or, you can use miles to cover just part of the purchase. Either way, your miles are worth 1 cent each when you redeem them to cover recent travel purchases.

Related: How to redeem Capital One miles at a fixed value

Other ways to redeem Capital One miles

As you might have noticed in the screenshot above, cardholders have several other ways to redeem Capital One miles. Most of these other redemption options offer lower redemption values, so we don't generally recommend using them. But here's an overview of your other redemption options:

• Redeem for experiences : You can redeem miles for sports and concert tickets through Capital One Entertainment, usually at a redemption rate of 0.8 cents per mile.
• Get gift cards : You can redeem miles for gift cards, usually at a redemption rate of 0.8 to 1.067 cents per mile.
• Redeem for cash : You can request a statement credit or a check to your address at a redemption rate of 1 cent per mile.
• Redeem with PayPal : You can apply miles when checking out with PayPal at a redemption rate of 0.8 cents per mile.
• Shop with Amazon : You can apply miles at checkout for your Amazon.com orders at a redemption rate of 0.8 cents per mile.

As you can see, there are many ways to redeem Capital One miles for at least 1 cent each. So, there will rarely be a reason to redeem Capital One miles for anything less than 1 cent each.

Bottom line

When traveling overseas, I often use the Capital One Venture X Rewards Credit Card as my everyday spending card. It doesn't charge foreign transaction fees, I know I'll earn at least 2 miles per dollar on all purchases, and I rarely have issues using it. But, I also generally find it useful to have access to Capital One miles when booking award flights. So, I'm always happy to earn more Capital One miles on my everyday purchases.

Now that you know how to earn and redeem Capital One miles, I expect you may also understand their value — especially if you transfer your miles to airline or hotel partners.