College Students and Credit Cards | Capital One (2024)

1Capital One pays compensation to NerdWallet for new account referrals. While some of the winners on NerdWallet's Best-Of list are partners, it never influences their decisions. Only products that meet the NerdWallet editorial team's strict standards make the final list.

©2017-2023 and TM, NerdWallet, Inc. All Rights Reserved.

2Capital One pays compensation to CardRatings for new account referrals. While some of the winners on CardRatings' Best-Of list are partners, it never influences their decisions. Only products that meet the CardRatings' editorial team's strict standards make the final list.

3This one-time bonus is available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders.

4See Uber Eats app for availability. Terms and fees apply.

For a limited time, eligible accountholders can earn enhanced rewards on qualifying orders with Uber Eats purchased with an eligible Capital One credit card. Eligible Capital One Savor and SavorOne accountholders will earn 5% cash back, and eligible Venture, VentureOne, Spark Miles and Spark Miles Select accountholders will earn 5 miles per dollar spent on qualifying orders with Uber Eats. Qualifying purchases must post to an eligible Capital One account between 12:01 a.m. ET, July 14, 2020, through 11:59 p.m. ET, January 31, 2021. Purchases that post outside of the Offer Period, gift card purchases and purchases paid for with third-party payment accounts such as PayPal, mobile or wireless card readers, mobile or digital wallets such as Apple Pay and Android Pay, or similar technology are not qualifying purchases and will not earn enhanced rewards. However, these purchases will earn the base rewards earn rate previously disclosed. Your account must be open and in good standing to earn rewards, and rewards will be applied to your account within 1-2 billing cycles. Rewards earned through this offer will be reclaimed if you cancel or return an eligible purchase. Except for eligible Spark Miles and Spark Miles Select accounts, this offer is valid for consumer, noncommercial use only. Rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. We reserve the right to disqualify any accountholder from participation in this offer in the event of fraud, abuse or a violation of the Terms as determined at our discretion. Such termination may result in the forfeiture of any accumulated rewards.

5You will earn 3% cash back on dining, qualified entertainment purchases, streaming, and on purchases made at grocery stores and 1% cash back on all other purchases. Entertainment purchases made through a third party site or by a vendor that does not categorize themselves under one of the qualifying entertainment merchandise category codes will earn 1% cash back. Grocery purchases made at gas stations, convenience stores, warehouse clubs, discount stores, and super stores (or at grocery stores associated with discount stores or super stores) will earn 1% cash back. Earnings will apply to net purchases (purchases minus any credits or returns) only. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Capital One uses merchant category codes to determine if a purchase is within one of the additional cash back categories. This means that sometimes a purchase may not earn additional cash back. For example, some food trucks or food carts may use a “merchandise” code and restaurants in department stores or hotels may use a “merchandise” or “hotel” code instead of a “dining” code. Additionally some amusem*nt parks may code their online tickets as “merchandise” instead of “entertainment.” Capital One is not responsible for merchant category codes used by merchants.

Excludes golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services.

Streaming includes purchases made from eligible music and video streaming services. Some services, such as Prime Video, AT&T TV and Verizon FIOS On Demand, are excluded, as well as audiobook subscription services and fitness programming.

6Excludes superstores like Walmart® and Target®.

7The 8% cash back on Capital One Entertainment purchases includes tickets purchased directly through the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor or SavorOne card. The 8% excludes: (i) tickets purchased through the Capital One cardholder exclusive pre-sales page; (ii) tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services; and (iii) dining reservations or purchases through Capital One Dining. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. Cash back earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Online account required.

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circ*mstances, consider talking with a qualified professional.

The EMVCo Contactless Symbol and Contactless Indicator, consisting of four graduating arcs, are trademarks owned by and used with permission of EMVCo, LLC.

Your CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models. Your CreditWise score can be a good measure of your overall credit health, but it is not likely to be the same score used by creditors. The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies.

CreditWise Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.

College Students and Credit Cards | Capital One (2024)
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