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Compare the Features and Benefits of IHG One Rewards Traveler Credit Card and
Capital One Quicksilver Student Cash Rewards Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
Trip Protections
No Foreign Transaction Fees
Free Access to Credit Score
Secondary Car Rental CDW Waiver
Grants Hotel Status
Purchase Protection
Travel and Emergency Assistance Services
No Fees for Authorized Users
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Hotels

At IHG brand hotels and resorts booked directly; otherwise earn 2X.

3x Cable / Internet / VOIP Phone
3x Gas Stations
3x Cellular Phone Service
3x Dining Out / Food Delivery
3x Streaming Services
2x Everything Else
Avg. Point Value
(Learn More)
$0.004
Bonus Offer
Limited Time Offer: Earn 100,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.95) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The IHG Rewards Traveler Credit Card is IHG’s no-annual-fee credit card. As such, it doesn’t offer the excellent perks that come with the IHG Premier Credit Card — like a free night each account anniversary, automatic Platinum Elite status, and other travel perks.

However, the IHG Traveler Card still offers surprisingly good benefits for a no-annual-fee card. You’ll get IHG Rewards’ intro level Silver Elite status, fourth night free on rewards stays, and a 20% discount on purchases of IHG Rewards points.

Screenshot showing IHG card benefit of 20% discount on purchases of IHG Rewards points.

Silver Elite status doesn’t offer too many perks — 20% bonus points at IHG hotels and resorts, a shot at late checkout, and not having to worry about point expiration. Cardholders can spend $20,000 in a calendar year to upgrade to Gold Elite status. Gold Elite status includes 40% bonus points at IHG hotels and resorts.

In addition to the sign-up bonus, IHG Rewards Traveler Credit Card cardholders will earn bonus points on IHG hotel stays, dining, gas stations, select streaming services, and utility monthly bills. Cardholders earn 2 points per dollar spent on all other eligible purchases. Considering the IHG Rewards point value is only around 0.4 cents per point, that’s not the best possible return on your other purchases.

So, you might just want to limit using your IHG Traveler Card to IHG hotels and resorts. By charging IHG hotel stays to their IHG Traveler Card, cardholders will earn a total of at least 17 points per dollar spent:

  • 5 points per dollar spent by charging the IHG hotel stay to their IHG Traveler Card
  • 10 points per dollar spent as an IHG Rewards member.
  • 2 bonus points per dollar spent at as Silver Elite (or more if you have a higher tier of IHG Rewards elite status)

For those unfamiliar, the IHG Rewards loyalty program includes a wide range of hotel brands. On the luxury side, you can earn and redeem IHG points at InterContinental Hotels, Kimpton, Hotel Indigo, Six Senses, and Regent Hotels. On the flip side, you can earn and redeem IHG points for stays at Holiday Inn Express, Holiday Inn, Holiday Inn Club Vacations, Candlewood Suites, and Staybridge Suites. That range of earning and redemption options is truly impressive.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Secondary Car Rental CDW Waiver
yes
Grants Hotel Status
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
No Fees for Authorized Users
yes
Annual Fee
$0
Avg. Min. Credit Score
580-850 *
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
5x Car Rentals
5x Hotels
1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
You’ll earn $50 after you spend $100 in your first three months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

As far as student credit cards go, the Capital One Quicksilver Student Cash Rewards Credit Card is an easy choice since no student card offers a flat cash back rate that is higher.

With 1.5% cash back on everything, you’re both building your credit (so you can step up to credit cards with richer rewards after you graduate, and earning a nice return on your credit card spend.

Plus, you’ll get a small cash bonus when you meet the terms of the Early Spend Bonus with your new Quicksilver Student card.

Importantly, there’s no annual fee and this is not a secured credit card.

And you do have the opportunity to earn 5% cash back on travel booked via Capital One Travel and 8% back on entertainment booked through Capital One Entertainment.

entertainment-capital-one-quicksilver-student-cash-rewards-credit-card

Finally, you get that Uber benefit, which can be worth quite a lot if you use Uber and / or Uber Eats regularly.

All around, it’s a pretty solid student credit card!

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Secondary Car Rental CDW Waiver
no
Grants Hotel Status
no
Purchase Protection
no
Travel and Emergency Assistance Services
no
No Fees for Authorized Users
no

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