Capital One QuicksilverOne vs Capital One Quicksilver Student
Side-by-side comparison
| Capital One QuicksilverOne | Capital One Quicksilver Student | |
|---|---|---|
| Annual fee | $39 | No annual fee |
| Welcome offer | No current offer | $50 cash bonus |
| Dining | 1.5x | 1.5x |
| Groceries | 1.5x | 1.5x |
| Gas | 1.5x | 1.5x |
| Travel | 1.5x | 1.5x |
| Streaming | 1.5x | 1.5x |
| Everything else | 1.5x | 1.5x |
| Est. yearly rewards* | $437 | $437 |
| Points type | Pools with Capital One → transferable | Pools with Capital One → transferable |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Capital One QuicksilverOne earns about $437 a year in rewards and the Capital One Quicksilver Student about $437, valuing every point at a flat 1 cent. The Capital One QuicksilverOne charges $39, which you clear through its rewards and perks. The Capital One Quicksilver Student has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Capital One Quicksilver Student delivers more total value, about $39 a year more for a typical spender, mostly because it skips the annual fee the other charges. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Capital One Quicksilver Student currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.