Capital One Quicksilver Student vs Gemini Credit Card
Side-by-side comparison
| Capital One Quicksilver Student | Gemini Credit Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $50 cash bonus | No current offer |
| Dining | 1.5x | 3x |
| Groceries | 1.5x | 2x |
| Gas | 1.5x | 4x |
| Travel | 1.5x | 1x |
| Streaming | 1.5x | 1x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $437 | $476 |
| Points type | Pools with Capital One → transferable | Cash back only |
| Network | Visa | Mastercard |
*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 Quicksilver Student earns about $437 a year in rewards and the Gemini Credit Card about $476, valuing every point at a flat 1 cent. The Capital One Quicksilver Student has no annual fee, so its rewards are all profit. The Gemini Credit Card has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Gemini Credit Card delivers more total value, about $39 a year more for a typical spender, mostly because it earns more where you spend most, on gas and dining. The bigger difference is the ceiling: the Capital One Quicksilver Student earns points you can move to travel partners for outsized value, while the Gemini Credit Card pays plain cash back. Favor the Capital One Quicksilver Student if you will use travel transfers, the Gemini Credit Card if you want simplicity. 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.
Pick the Capital One Quicksilver Student if your spending leans toward travel, streaming, everything else. Pick the Gemini Credit Card if your spending leans toward dining, groceries, gas.