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Journey® Student Rewards from Capital One® vs. Capital One® Quicksilver® Cash Rewards Credit Card

No-annual-fee cards with flat cash back on all purchases.

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Fact checked

The main difference between these two no-annual-fee cashback cards is that the Journey® Student Rewards from Capital One® is aimed at students with fair or no credit and it lets you earn a slightly lower cashback rate. On the other hand, the Capital One® Quicksilver® Cash Rewards Credit Card comes with a signup bonus and a long 0% intro APR period on purchases, something the Journey card lacks.

Check out all perks and features in the table below.

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

Rates & Fees

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Rates & Fees

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Best for
Best for
  • No foreign transaction fee student card
  • Easy-to-earn signup bonus and flat cash back on all purchases
Welcome offer
Welcome offer

N/A

$150 cash back after spending $500 in the first 3 months

Rewards
Rewards

1% cash back on all purchases, 1.25% for months you pay on time

1.5% cash back on all purchases

Purchase APR
Purchase APR

22.99% variable

0% intro APR for 15 months, and then 15.49%, 21.49% or 25.49% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

22.99% variable

15.49% to 25.49% variable

Cash advance
Cash advance

APR: 22.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 25.49% variable

Fee: $10 or 3% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 580 670
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

  • 1% cash back on all purchases
  • 1.25% for months you pay on time
  • No annual fee

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • No annual fee
  • $150 cash bonus when you spend $500 on purchases in the first 3 months
  • 1.5% cash back on all purchases
  • Long intro APR for purchases

Compare cashback credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Compare Capital One credit cards

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