Chip Lupo, Credit Card Writer
@CLoop
The Capital One Quicksilver Student Cash Rewards Credit Card is a good first-time credit card because it is available to students with limited credit and it offers rewards, giving 1.5 - 5% cash back. The card’s annual fee is $0. Responsible use also builds credit, as the Capital One Quicksilver Student Card reports account info to the major credit bureaus monthly.
To get approved for the card, you will need to have a steady income and meet other basic requirements like being at least 18 years old and having an SSN or ITIN.
Why Capital One Quicksilver Student Card Is a Good First-Time Credit Card
- Available to: Students with limited credit
- Annual fee: $0 annual fee
- Rewards: 1.5 - 5% cash back
- APR: 18.74% - 28.74% (V)
- Reports to credit bureaus monthly: Yes
It’s worth noting that the Capital One Quicksilver Student Card isn’t the only good first-time credit card out there. You can learn more about the best first-time credit cards on WalletHub.
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Is Capital One a good credit card for beginners?
Yes, Capital One is a good credit card company for beginners because it offers several good options for building credit. For example, the Capital One Platinum Credit Card (see details, rates & fees) has a $0 annual fee, is available to people with limited credit, and does not require a security deposit. Capital One Platinum (see details, rates & fees) does not offer any rewards, as it is a no-frills credit card specifically for building credit at a low cost.
Capital One offers several other good credit cards for beginners...
read full answer by Chip Lupo, Credit Card WriterWhat are my Capital One Quicksilver Student Card approval odds?
Your Capital One Quicksilver Student Card (see details, rates & fees) approval odds are good if you are a student with little-to-no credit, or at least fair credit. Approval odds for the Capital One Quicksilver Student Card (see details, rates & fees) will be influenced by your annual income and existing debts, and you need to be 18+ years old. You’ll also need to have a U.S. mailing address and an SSN or ITIN.
What You Need for Good Capital One Quicksilver Student Card (see details, rates & fees) Approval Odds
- Little to no credit history, or at least...
What kind of credit card is good for beginners?
The kind of credit card that is good for beginners is either an unsecured or a secured card with annual fees as low as $0 and high approval odds. It’s worth noting that some of the best credit cards for beginners even offer rewards.
The card you’re going to pick should also report monthly to the major credit bureaus so that you can build your credit.
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