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Capital One Quicksilver Student vs Discover it Student Chrome

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Discover it Student Chrome leads by 3.5 pts. Scores: Capital One Quicksilver Student 62.9%, Discover it Student Chrome 66.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Quicksilver Student nets $346/yr, Discover it Student Chrome nets $284/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeStudent: 10.0 · Chrome: 10.0
Rewards rateStudent: 6.0 · Chrome: 4.5
Sign-up bonusStudent: 0.7 · Chrome: 0.0
Intro 0% APRStudent: 0.0 · Chrome: 2.9
Regular APRStudent: 7.3 · Chrome: 9.1
Foreign transaction feeStudent: 10.0 · Chrome: 10.0
Regulatory record (CFPB)Student: 10.0 · Chrome: 10.0

Capital One Quicksilver Student

IssuerCapital One
Typestudent
Annual fee$0 capitalone.com, 2026-10-11
Regular purchase APR18.74%–28.74% variable capitalone.com, 2026-10-11
RewardsUnlimited 1.5% cash back capitalone.com, 2026-10-11
Sign-up bonus (≈$)$50 $50 after $100 in 3 months capitalone.com, 2026-10-11
Intro APRnone No intro APR offer shown capitalone.com, 2026-10-11
Foreign transaction feenone capitalone.com, 2026-10-11
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededStudent capitalone.com, 2026-10-11
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.74%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Discover it Student Chrome

IssuerDiscover (Capital One)
Typestudent
Annual fee$0 discover.com, 2026-10-12
Regular purchase APR16.74%–25.74% variable discover.com, 2026-10-12
Rewards1% base; 2% gas (to $4,000/yr); 2% dining (to $4,000/yr) discover.com, 2026-10-12
Sign-up bonus (≈$)$0 First-year Cashback Match (not counted) discover.com, 2026-10-12
Intro APR6 months 0% intro APR for 6 months on purchases discover.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRnone Discover agreement table: 'Penalty APR None' files.consumerfinance.gov, 2026-06-30
Late feeup to $41 up to; $0.00 for first occurrence; $30.00 if not charged a late fee within last six billing cycles; $41.00 otherwise files.consumerfinance.gov, 2025-12-31
Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededno credit score, 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)16.74%–27.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Capital One Quicksilver Student62.9%
Capital One · student
Annual fee $0APR 18.74%–28.74% variableRewards Unlimited 1.5% cash backCredit Student
⚠ APR up to 28.74% if you carry a balance · Late fee up to $40
Discover it Student Chrome66.4%
Discover (Capital One) · student
Annual fee $0APR 16.74%–25.74% variableRewards 1% base; 2% gas (to $4,000/yr); 2% dining (to $4,000/yr)Credit no credit score, 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ Late fee up to $41 · 2% gas + restaurants share $1,000/quarter combined (we cap each). First-year Cashback Match not counted.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Capital One Quicksilver Student or Discover it Student Chrome?

On VaultRubric's rubric: Discover it Student Chrome scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.