Credit Cards for College Students

Explore Capital One Student Credit Card benefits. 5

No Foreign Transaction Fees

You won’t pay a transaction fee when making a purchase outside of the United States.

Extended Warranty

You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

24-hour Travel Assistance Services

If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.

Travel Accident Insurance

Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.

Instant Purchase Notifications

Stay on top of your spending by receiving a push notification each time a new purchase is approved on your account.

Capital One Shopping

Capital One Shopping is an online shopping tool that automatically applies available coupon codes to your order. Learn more about Capital One Shopping.

Shop With Your Rewards

Now you can pay for Amazon.com purchases using your Capital One rewards.Learn more about how to use your rewards at Amazon.

Redeem Your Rewards with PayPal

Use your Capital One rewards on eligible purchases at millions of online stores. Learn more about using rewards with PayPal.

Some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See your respective Guide to Benefits for details, as terms and exclusions apply.

Capital One Shopping is free for everyone whether or not you have a Capital One credit card.

Student Credit Card FAQs

How do student credit cards work?

Capital One student credit cards offer students the chance to build credit by using their card responsibly to make purchases, making timely payments on their balances and maintaining a healthy credit utilization ratio. Capital One student cards also come with student-friendly perks, like cash back.

Wondering what happens to your account after graduation? No need to get a new card—you can still enjoy all the rewards and benefits your Capital One student credit card has to offer.

Before applying for a credit card, consider getting pre-approved to see which cards you qualify for. It’s quick, easy, and won’t hurt your credit score. And remember: You don’t need a credit score to apply, though we may use credit scores where available.

Are student credit cards only for college students?

You must be at least 18 years of age and a student to qualify for student credit cards.

You may be eligible for a Capital One student card if you’re enrolled—or admitted and planning to enroll in the next three months—at an accredited university, community college or other higher education institution.

Want to find the best student credit card for you? Getting pre-approved could help you find the right card before you apply.

Which student credit card is right for me?

Choosing the best student credit card for you depends on what you want out of a card. Capital One student credit cards are designed for applicants with little or no credit history—plus they offer no annual fee, hidden fees, or foreign transaction fees. These student credit cards also offer bonuses and let you earn rewards on everyday purchases:

SavorOne Rewards for Students features student-friendly perks, like unlimited 3% cash back on dining and at grocery stores—excluding superstores like Walmart® and Target®—and entertainment, including popular streaming services, plus 1% cash back on all other purchases.
Quicksilver Rewards for Students allows qualifying students to earn unlimited 1.5% cash back on all purchases and a one-time $50cash bonus after spending $100on purchases within the first 3months from account opening.

Consider getting pre-approved to see which cards you qualify for.

How do I know if I’ll be approved for a student credit card?

Several factors—like an applicant’scredit score, payment history, and income—may influence whether or not someone will be approved for a credit card.

But if you’re just starting your financial journey, don’t worry. Capital One student cards are designed for students with little or no credit history.

Getting pre-approved could help you see which cards you may qualify for before you apply. And if you’re not a student but want to build credit, check out these other alternatives.

Will getting pre-approved hurt my credit score?

No, checking to see if you’re pre-approved for a Capital One credit card won’t cause any damage to your credit score. That’s because our pre-approval tool won’t result in a hard inquiry on your credit report, which can temporarily lower your credit score.

Our pre-approval tool will show you the student credit cards you’re more likely to qualify for, too. That way, you can apply with more confidence.

What can I do to help improve my credit score?

There are a few steps you can take to use your card responsibly and help build a better credit score over time:

1. Use CreditWise by Capital One to monitor your credit score and TransUnion credit report.
2. Make timely payments on your bills each month.
3. Stay below your credit limit—and keep an eye on your credit utilization.
4. Limit new credit applications to prevent hard inquiries on your credit report.

And after implementing these tactics to raise your score, you may consider getting pre-approved for a Capital One credit card to find one that works best for you and your lifestyle.

Cardholder reviews are submitted by validated Capital One cardholders. Some product ratings and reviews may be obtained from customers with different versions of the product displayed above.

With Savor and SavorOne, the 3% earn rate excludes superstores like Walmart® and Target®. You’ll earn the usual SavorOne rewards, but won’t be eligible for bonus cash or 0% intro APR.

The 8% cash back on Capital One Entertainment purchases includes tickets purchased on the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor or SavorOne card. The 8% excludes:tickets purchased through the Capital One cardholder exclusive pre-sales page (www.capitalone.com/pre-sales); (ii) tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services; and (iii) dining reservations or purchases through Capital One Dining. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. Cash back earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Online account required. Please see the Capital One Entertainment ticketing platform’s Terms of Use for more information about ticketing policies and terms and conditions.

Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.

Now through November 14, 2024, eligible Capital One Savor, SavorOne, SavorOne Student and Quicksilver Student cardholders will earn 10% cash back on qualifying purchases made through the Uber and Uber Eats apps (or dedicated websites) with their eligible card. Additionally, these cardholders will receive a monthly statement credit for each Uber One monthly membership fee fully paid for with their eligible card through November 14, 2024. Qualifying purchases and Uber One monthly membership fees must post to an eligible Capital One account between 12:00 a.m. ET, November 15, 2022, and 11:59 p.m. ET, November 14, 2024. Offer valid in the U.S. only; Uber One monthly membership and purchases through Uber and Uber Eats within the U.S. territories may be excluded. Purchases that post outside of this offer period, purchases made outside of the U.S., Uber gift cards, and Uber One membership fees are not qualifying purchases and are not eligible for the enhanced cash back rewards under this offer; however, these purchases will earn the base rewards earn rate previously disclosed under the terms and conditions of your rewards program. Rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments.

Your account must be open and in good standing to be eligible for these offers. Rewards and each Uber One monthly membership credit, as applicable, will be applied to your account within 1-2 billing cycles. Your eligible card must be open and in good standing at the time of statement credit fulfillment. If you upgrade or change your account to another card, you will not be eligible for this offer. One Uber One membership offer per cardholder. Offer valid for consumer, non-commercial use only; not eligible for Uber Freight or Uber for Business. We reserve the right to disqualify any cardholder from participation in this offer in the event of fraud, abuse, or a violation of the terms as determined at our discretion. Such termination may result in the forfeiture of any benefits or accumulated rewards.

Once the credited membership period expires, your Uber One membership will auto-renew every month and your card on file will be charged, unless you cancel your membership prior to November 15, 2024. Uber Terms of Use and Uber Terms and Conditions for Renewable Membership apply.

This one-time bonus is available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders.

Some cardholder benefits are only available to the primary cardholder and not authorized users.

Credit Cards for College Students | Capital One (2024)