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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.

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®

Terms apply, see rates & fees

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

3.9 / 5.0

★★★★★

4.2 / 5.0
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

$200 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% to 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 $40 Up to $40
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

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

Name Product Welcome offer Rewards Annual fee Filter values
Journey® Student Rewards from Capital One®
N/A
1% cash back on all purchases, 1.25% for months you pay on time
$0
Earn 1% cash back on all purchases or get 1.25% cash back for months you pay on time.
Capital One® Quicksilver® Cash Rewards Credit Card
$200 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
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