Comparison

Capital One Quicksilver Rewards for Students or Journey Student Rewards from Capital One

Capital One Quicksilver Rewards for Students or Journey Student Rewards from Capital One? Check out the following comparison and choose the best for your needs and goals.

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by Aline Augusto

Published on 06/28/2022

Capital One Quicksilver Rewards for Students vs. Journey Student Rewards from Capital One: which is the best?

Check out the comparison and choose the best card! Source: Unsplash.
Check out the comparison and choose the best card! Source: Unsplash.

Capital One is well-known for its credit cards. There are many options available, and each one is designed for a specific public with specific needs and goals. Today, I will bring you credit cards developed to help students with their financial path. So, let’s take a look at which card is the best: Capital One Quicksilver Rewards for Students or Journey Student Rewards from Capital One. Keep reading our comparison to learn more about them!

Cartão Journey Student Rewards from Capital One

How to apply for Journey Student Rewards card?

Earn cash back with a Journey Student Rewards from Capital One credit card! Check out how to apply for it!

Cartão Capital One Quicksilver Rewards for Students

How to get a Capital One Quicksilver Student card?

Earn unlimited 3% cash back on eligible purchases with Capital One Quicksilver Rewards for Students card! Check out how to apply for it today!

So, it is time for you to meet two incredible credit cards full of rewards. Also, if you are a student, you should pay attention to the fees and costs. But I guarantee that both cards deliver all. Take a look at the comparison table below for starters!

Capital One Quicksilver Rewards for Students Journey Student Rewards from Capital One 
Sign-up bonus$100 cash bonus after you spend the same amount on purchases within the first three months from the account opening$5 per month for a year on eligible streaming subscriptions when you manage to pay on time.
Annual fee$0$0
RewardsUnlimited 1.5% cash back on all purchases1% cash back on all purchases (up to 1.25% if you manage to pay on time)
Other perksNo foreign transaction fee;Extended warranty;Complimentary Concierge Service;Travel assistance and Travel Accident Insurance;Capital One experiences;Complete security package;CreditWise;Eno assistantNo foreign transaction fee;Capital One Travel;Complete security package;CreditWise;Eno assistant
APRFrom 15.24% to 25.24% (variable)26.99% (variable)

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Capital One Quicksilver Rewards for Students

Let’s get started with Capital One Quicksilver Rewards for Students!

This card offers an amazing rate of rewards. So, you can earn unlimited 1.5% cashback on all purchases. Also, it features a welcome cash bonus of $100 as soon as you spend the same amount within three months from the account opening, though it is a limited offer.

The rewards never expire as long as you maintain the account open, and you can redeem them for cash, to cover your purchases, or to get gift cards.

Capital One offers many exclusive experiences to its cardholders, as well. For example, you can get access to Capital One Shopping, Travel, Dining, and Entertainment to enjoy discounts, exclusive events, and rewards around the world.

Speaking of traveling, Capital One Quicksilver Rewards for Students doesn’t charge you any foreign transaction fee. And it offers Travel Accident Insurance, assistance, and a Complimentary Concierge Service.

Furthermore, this credit card gathers all essential security features, including an Extended Warranty, $0 Fraud Liability, protection alerts, Eno assistant from Capital One, and 24/7 Customer Service.

Finally, as a student card should be, this one is a powerful tool for students to build credit history. Therefore, besides reporting to all major credit bureaus, Quicksilver Rewards for Students offers CreditWise, in which you get alerts when your Experian or TransUnion reports change.

Journey Student Rewards from Capital One 

Learn more about this card. Source: Capital One.
Learn more about this card. Source: Capital One.

On the other hand, if you want another reasonable option, a Journey Student from Capital One might be worth considering.

If you manage to use this credit card responsibly, you not only build your credit history but also guarantee automatic credit line reviews in as little as six months.

Furthermore, it offers 1% cash back on everything you purchase. And you can boost this base rate of rewards when you pay your bill on time.

As a bonus, you get $5 each month for twelve months on eligible streaming subscriptions when you manage to pay on time.

For travelers, the card doesn’t charge a foreign transaction fee, and you can enjoy better prices on trip options through Capital One Travel.

Although the security package is not as robust as the Quicksilver Rewards for Students offers, the Journey one delivers the essential.

So, you enjoy peace of mind with $0 Fraud Liability, account alerts, 24/7 Customer Service, Eno assistant, CreditWise, and more.

And all of that with a $0 annual fee.

Benefits of Capital One Quicksilver Rewards

Capital One Quicksilver Rewards for Students is a fantastic credit card. It gathers all a student needs in one place.

The reward rate is pretty good, and the program is simple and straightforward. Besides the welcome bonus, you get access to many perks from Capital One, including advantages on trips, discounts on events, and exclusive experiences for clients.

The security package is robust, the same as the assistance provided. Also, there are no annual and foreign transaction fees whatsoever.

Custom Choice Student loans

How to apply for Custom Choice Student loans?

Achieve your goals with the help of Custom Choice Student loans! See how to apply for it and get the benefits.

Benefits of Journey Student Rewards

The advantages offered by this credit card are almost the same as Quicksilver’s offerings.

You can use it responsibly, so it will be a terrific tool for you to build a credit history. 

The card offers basic assistance and security features. And that are no fees charged.

But, unlike its similar student card above, this one provides credit for eligible streaming subscriptions when you manage to pay on time and be in good standing.

Disadvantages of Capital One Quicksilver Rewards

Learn more about this card. Source: Capital One.
Learn more about this card. Source: Capital One.

Unfortunately, this credit card doesn’t offer an introductory APR. Also, the welcome bonus is usually limited.

Disadvantages of Journey Student Rewards

Regarding the Journey Student Rewards from Capital One, it lacks benefits. Contrary to its similar one described above, the Journey doesn’t feature travel insurance and other perks.

Furthermore, the APR on purchases is quite high.

Capital One Quicksilver Rewards for Students or Journey Student Rewards from Capital One: which you should choose?

If you are a student looking for a credit card with a robust package of benefits, a Capital One Quicksilver Rewards for Students is definitely a great choice.

However, if you want a simpler card with no fees attached, a Journey Student Rewards from Capital One might fulfill your needs.

However, if you are looking for another option, see below!

Logo Freedom® Student fundo azul

How to apply for Chase Freedom® Student?

Get 1% cash back on all purchases with a Chase Freedom® Student! Check out how to apply for this card!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

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Aline Barbosa

Senior Editor

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