Top perks
Some student cards are light on perks, but that's not the case with this one.
Earn $50 sign-up bonus
As a new cardmember, you can earn Earn $50 once you spend $100 on purchases in the first three months. It's not the biggest sign-up bonus, but it's a nice perk for a student credit card, and it's easy to earn.
Competitive cash back rewards
The best top student credit cards offer rewards, but this Capital One card takes it to another level. It earns an impressive cash back rate of 3% in the following bonus categories:
- Dining
- Entertainment
- Popular streaming services
- Grocery stores (excluding superstores like Walmart or Target)
Whether you go out to eat or buy groceries and cook at home, you'll earn plenty of cash back. Those aren't the only bonus categories, either. It also earns:
- 10% on purchases with Uber and Uber Eats through Nov. 14, 2024 (and it covers your Uber One membership until then, too!)
- 8% on Capital One Entertainment purchases
- 5% on hotels and rental cars booked through Capital One Travel
Other purchases earn the standard rate of 1% cash back. These aren't just great cash back rates for a student card. They're up there with what the very best cash back credit cards offer.
SEE MORE: Best Cash Back Credit Cards
No annual fee
The last thing you need when you're in college is more bills. No annual fee cards like this one are a good choice because you don't need to pay anything extra to keep them open. You can use this card while you're in college and keep it open in the years to come, which can also help your credit score.
No foreign transaction fee
Capital One credit cards don't charge a foreign transaction fee. Many credit and debit cards tack on a fee for transactions processed outside the United States. The typical fee amount is 3%, so you'll definitely want a card without this type of fee if you study abroad or go on any international vacations.
MORE OPTIONS: Best No Foreign Transaction Fee Credit Cards
Purchase and travel coverage
One of the nice things about quality credit cards is the extra protections they offer. With this student credit card from Capital One, you get:
- Extended warranty: Additional warranty protection at no charge on eligible items purchased with your credit card.
- Travel accident insurance: Automatic insurance for a covered loss at no charge when you use your credit card to purchase your fare.