Credit Cards

Does Capital One offer student incentives?

Capital One offers student incentives with their credit card lines focused on this audience. Learn about them!


by Danilo Pereira

Published on 09/01/2022

Capital One is pulling ahead with welcome offers and benefits that will thrill student credit card seekers

capital one bank student incentives
Check which benefits you’ll get from Capital One if you’re a student. Source: Adobe Stock.

Capital One is an American bank holding company that primarily focuses on credit cards, and they offer attractive student incentives. When we talk about student incentives, we fall into a broader category that involves student loans. 

Although this lender does offer a number of loan options, student loans are not one of them. If you are looking for student loans, there are a number of excellent options in the market.

We have even put together a list with the 7 best student loans in 2022. One of them might just be what you have been looking for.

Capital one bank

Capital One Bank review

If you like straightforward banks, you're going to love what Capital One Bank has to offer you. Enjoy all of its financial services, some with no fees at all.

However, if you are looking for student incentives on the credit card front, Capital One has some to offer. You will be delighted to know the company has been making noticeable upgrades to its credit card perks. 

Students can now have the opportunity to earn a one-time $100 cash bonus. This is a limited-time offer. It applies to the SavorOne Rewards for Students card and to the Quicksilver Rewards for Students card.

These are two of the student cards the issuer offers to students. The third option is the Journey Rewards for Students. So let’s dive in and see which types of student incentives Capital One has to offer on these credit cards.

Capital One SavorOne Rewards for Students

Capital One SavorOne Rewards for Students offers college students the chance to earn cash back without paying an annual fee. 

The card earns you an excellent rate of 3% cash back at grocery stores, on dining, entertainment, and popular streaming services.

All other purchases earn you a 1% cash back rate, and there is no limit on how much you can earn.

Plus, you can redeem your cash back either as a direct deposit to your account or as a statement credit.

This card is also a good option if you like going to concerts, sporting events, and comedy shows. It can earn 8% cash back at the popular ticket exchange and resale company, Vivid Seats.

But it would not be fair if we did not mention this card’s downsides. So let’s put pros and cons together and see what we got. Then, if you like what you see, hit the link below and learn mo about this credit card.


  • Convenient cash-back earning categories
  • Complimentary concierge service
  • Travel accident insurance and extended warranty coverage



  • High interest rate with 16.49% to 24.49% APR
  • No flexible payment options
  • No 0% intro APR
Capital One SavorOne Student Cash Rewards Credit Card

Capital One SavorOne Student Cash application

Learn everything you need to know about the Capital One SavorOne Student Cash Rewards Card, including how to apply and get your $100 introductory bonus.

Capital One Quicksilver Rewards for Students

Happy college students studying together and laughing student incentives
It will get better to be a student with these Capital One benefits. Source: Adobe Stock.

Capital One Quicksilver Rewards for Students provides students with solid benefits. With it you can earn 8% cash back when booking entertainment through the Capital One Entertainment portal.

This credit card also earns you an unlimited 5% cash back on rental cars and hotels. All you have to do is book them through Capital One Travel. 

Lastly, you earn 1.5% unlimited cash back on all other purchases. All of these rewards are for no annual fee what-so-ever.

Very few cards can match this student card’s benefits. They will even pay you up to $500 a year if you refer friends and family and Capital One approves them for a credit card.

There are no foreign transaction fees or other hidden fees associated with this card. Just pick your monthly due date and pay your balance in time and you will build your credit.

So let’s compare pros and cons for this card as well. Then, if you like it, the link below will take you to a more detailed article about this card.


  • Excellent earning rate
  • No annual fee
  • No foreign transaction fees


  • High interest rate with 16.49% to 26.49% APR
  • There are cards that earn at better rates
  • No 0% intro APR
Capital One Quicksilver Student Cash Rewards Credit Card

Capital One Quicksilver Student application

Applying for the Capital One Quicksilver Student Cash Rewards Card is easy! Learn about the benefits, how to get started, and what you need to know before you apply.

Capital One Journey Rewards for Students

capital one logo smartphone
Capital One credit cards for students are full of benefits! Source: Adobe Stock.

Capital One Journey Rewards for Students allows students to build credit while earning cash back. 

Students are encouraged to pay on time with on-time payment rewards. This helps you establish good habits while taking care of your financial life.

This is a $0 annual fee card which earns you 1% cash back on all purchases. It also earns you a 0.25% bonus every month when you pay on time. So in practice you make 1.25% in cash back.

Differently from the previous two cards, this one does not offer a welcome bonus. But it does present the opportunity to make an unlimited 5% cash back.

The 5% rate is available to you when you book hotels and rental cars through Capital One Travel.

Of all three cards we have talked about, this one seems to be the one with the least benefits. However, it does have a number of travel and retail benefits.

Such benefits include travel accident insurance, auto rental collision damage coverage, extended warranty protection and 24-hour travel assistance.

So now it is time to compare pros and cons. Check out the lists below, and if you are interested, hit the link below for a more detailed review of this card.


  • Only average credit requirements
  • No annual fee
  • No foreign transaction fees


  • High 26,99% APR
  • There are cards that earn at better rates
  • No 0% intro APR
Journey Student Rewards from Capital One

How to apply: Journey Student Rewards

If you need a credit card to be with during your student years, check how to apply for the Journey Student Rewards, from Capital One. It has rewards and no fees.

Which should you choose?

Now that you have all the information you need to make an informed decision, picking the best card should be easy peasy.

Of course there is no one-size-fits-all solution when it comes to credit cards. It all depends on what you value the most.

Is it ease of use? And what about the rewards? Is it the perks? Up to you. Just make sure you can always pay your balance on time so you do not damage your credit score.

If the options you have seen in this article are still not quite what you are looking for, do not worry. We have prepared an article with the best student cards.

Just click on the link below and learn about some of the best options in the market.

piggy bank With Graduation Cap on old wood,Money saving concept.

7 best student loans in 2022

If you're looking for a student loan, this post will help you to find the best ones available in the market.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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