Credit Cards for College Students | Capital One (2024)

Capital One student credit cards offer students the chance to build credit by using their card responsibly to make purchases, making timely payments on their balances and maintaining a healthy credit utilization ratio. Capital One student cards also come with student-friendly perks, like cash back.

Wondering what happens to your account after graduation? No need to get a new card—you can still enjoy all the rewards and benefits your Capital One student credit card has to offer.

Before applying for a credit card, consider getting pre-approved to see which cards you qualify for. It’s quick, easy, and won’t hurt your credit score. And remember: You don’t need a credit score to apply, though we may use credit scores where available.

You must be at least 18 years of age and a student to qualify for student credit cards.

You may be eligible for a Capital One student card if you’re enrolled—or admitted and planning to enroll in the next three months—at an accredited university, community college or other higher education institution.

Want to find the best student credit card for you? Getting pre-approved could help you find the right card before you apply.

Choosing the best student credit card for you depends on what you want out of a card. Capital One student credit cards are designed for applicants with little or no credit history—plus they offer no annual fee, hidden fees, or foreign transaction fees. These student credit cards also offer bonuses and let you earn rewards on everyday purchases:

• SavorOne Rewards for Students features student-friendly perks, like unlimited 3% cash back on dining and at grocery stores—excluding superstores like Walmart® and Target®—and entertainment, including popular streaming services, plus 1% cash back on all other purchases.
• Quicksilver Rewards for Students allows qualifying students to earn unlimited 1.5% cash back on all purchases and a one-time $50cash bonus after spending $100on purchases within the first 3months from account opening.

Consider getting pre-approved to see which cards you qualify for.

Several factors—like an applicant’scredit score, payment history, and income—may influence whether or not someone will be approved for a credit card.

But if you’re just starting your financial journey, don’t worry. Capital One student cards are designed for students with little or no credit history.

Getting pre-approved could help you see which cards you may qualify for before you apply. And if you’re not a student but want to build credit, check out these other alternatives.

No, checking to see if you’re pre-approved for a Capital One credit card won’t cause any damage to your credit score. That’s because our pre-approval tool won’t result in a hard inquiry on your credit report, which can temporarily lower your credit score.

Our pre-approval tool will show you the student credit cards you’re more likely to qualify for, too. That way, you can apply with more confidence.

There are a few steps you can take to use your card responsibly and help build a better credit score over time:

1. Use CreditWise by Capital One to monitor your credit score and TransUnion credit report.
2. Make timely payments on your bills each month.
3. Stay below your credit limit—and keep an eye on your credit utilization.
4. Limit new credit applications to prevent hard inquiries on your credit report.

And after implementing these tactics to raise your score, you may consider getting pre-approved for a Capital One credit card to find one that works best for you and your lifestyle.