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Capital One Student Credit cards for february 2024

Apply for a Capital One Student Credit card. On 28.02.2024 you have access to 4 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 4
Updated:
31.07.2023
10:44
BEST CREDIT CARD FOR COLLEGE STUDENTS
Capital One
SavorOne Rewards for Students®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
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Rate
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Effective interest rate on the product

19.24 – 29.24 %
Capital One
Capital One SavorOne Rewards for Students®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

24.74 – 29.74 %
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
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Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

BEST TRAVEL CREDIT CARD FOR STUDENTS
Capital One
Journey Student Rewards®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
650
1000

Credit Card Online Application of February 2024

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CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Review
JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
Review
OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
Review
My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Review
Plain Green Loans
2
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Review
Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
Review

Terms and conditions

Capital One has three credit cards available for students:

  • SavorOne Rewards for Students earns 3% cash back on entertainment, dining, streaming services, and grocery stores. Other purchases have a 1% rate. Capital One Entertainment purchases and tickets at Vivid Seats earn 8% cash back. The APR is a 17.99% - 27.99% variable.

  • Quicksilver Rewards for Students has an unlimited 1.5% cash back on every purchase. You get 5% cash back on hotels and rental cars you book via Capital One Travel. The APR is variable and ranges from 17.99% to 27.99%.

  • Journey Rewards for Students earns 1% cash back on all purchases as you pay on time. You can boost your cashback to 1.25%. The APR is 28.49% variable.

There is no annual fee on all the cards. You also get no transfer fee. 

Pros and cons

Pros

  • There is no annual fee

  • You can build your credit history by using the cards

  • The cashback rate on the SavorOne card is high. 

Cons

  • The APR is 17.99%-28.49% variable

  • You have to prove you have a stable source of income.

Main requirements

You can include your personal income in the application. It can be full-time, part-time, seasonal job, self-employment, interest or dividends, retirement, or public assistance. You can opt for including shared income. This is money deposited into your individual or joint account by somebody else. 

You will be eligible for the cards if:

  • Your address is located in the US, Puerto Rico, or a US military location;

  • Your monthly income exceeds your debt by at least $425;

  • You are over 18 years old and have a valid SSN or ITIN;

  • You are a student;

  • You haven’t applied for a Capital One credit card two or more times within 30 days;

  • You don’t have bankruptcy. 

How to apply for a card

  1. Access the Capital One website;

  2. Click on the “Credit Cards” menu;

  3. Choose “Student Rewards”;

  4. Under a suitable card, click the “Apply Now” button;

  5. You will have to submit your personal, contact, and financial information;

  6. Submit the application form.

You will get a decision in 60 seconds. If the company needs more information, they will contact you with further details within 7 to 10 business days. 

Once approved, you will receive your credit card within 7-10 business days by mail. 

How to pay off a debt

If your balance is lower than $25, you will have a minimum payment equal to that sum. If your account has over $25, the minimum payment is determined as 1% of your balance plus new interest and late payment penalties. If your account is charged off, the entire balance will be due immediately.

The payments will be applied to your balance with the lowest APR first and then to the balances with higher APRs. 

Capital One won’t charge you interest if you pay your balance in full by the due date each month.

FAQ

What Capital One card is best for students?

Capital One SavorOne Rewards for Students can be considered the best, as it has a higher cashback rate.

Is the Capital One student credit card worth it?

Capital One credit cards for students have no annual fees. You will only be paying for what you borrow.

How does a Capital One student credit card work?

Capital One student credit cards earn cash back on eligible purchases. You can then spend the earned cash back on other purchases.