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Annual Fee: $0
Early Spend Bonus: Earn $100 when you spend $300 in the first three months.
Early Spend Bonus: Earn $100 when you spend $300 in the first three months.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.
The Capital One Savor Student Cash Rewards Credit Card offers unlimited 3% cash-back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target). It also offers 1% cash-back on all other purchases. Rewards don't expire for the life of the account, and you can redeem cash-back for any amount, making it a great starter card.
[.redeem] 8% [.redeem] cash-back on entertainment purchases when you book through Capital One Entertainment
[.redeem] 5% [.redeem] cash-back on hotels, vacation rentals and rental cars booked through Capital One Travel.
[.redeem] 3% [.redeem] cash-back on grocery stores (excluding Walmart and Target), dining, entertainment, and popular streaming services
[.redeem] 1% [.redeem] cash-back on all other purchases
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.
Best for 2X on Everyday Spending
Best for 2X on Everyday Spending
Annual Fee: $95
Early Spend Bonus: Earn $100 when you spend $300 in the first three months.
For a student card, this one pretty much speaks for itself. With no annual fee, solid cash back on dining, entertainment, popular streaming, and grocery stores, it’s designed for college life. Want to grab pizza, catch a concert, or spend the weekend binging your favorite shows? This card will pay you back. Plus, it helps build your credit for bigger, better cards later.
[.pro] No annual fee [.pro]
[.pro] The card might be a good fit if you tend to spend heavily within the 3% cash back categories [.pro]
[.pro] Credit building opportunity without extreme fees [.pro]
[.con] No travel-specific perks or protections [.con]
[.con] Lower overall spending limits typical for student cards [.con]
[.redeem] 8% [.redeem] cash-back on entertainment purchases when you book through Capital One Entertainment
[.redeem] 5% [.redeem] cash-back on hotels, vacation rentals and rental cars booked through Capital One Travel.
[.redeem] 3% [.redeem] cash-back on grocery stores (excluding Walmart and Target), dining, entertainment, and popular streaming services
[.redeem] 1% [.redeem] cash-back on all other purchases
[.dontreco] We don’t recommend: Forgetting to redeem your rewards [.dontreco]
While the rewards are straightforward, make sure to regularly check your cash back balance and redeem it as needed. It's easy to let it accumulate without taking advantage of it.
[.sometimesreco] We sometimes recommend: Using it for gift cards[.sometimesreco]
With the option to use cash back for gift cards, that's a fun way to (sometimes) redeem your rewards, but it's not always the best value.
[.alwaysreco] We always recommend: Using it for everyday purchases like dining and streaming[.alwaysreco]
Because of its great cash-back rates, use the Savor Student Card for all your day-to-day spending. It's an easy way to earn consistent rewards.
Once your credit grows, moving to a VentureOne means you'll earn travel miles on all purchases, with the same no annual fee. It’s an easy jump to start turning your everyday spending into trips.
This card earns great rates on everything, which means if your SavorOne Student isn’t giving bonus points, the Freedom Unlimited can. It’s also a great card to keep once you’re out of school and want to combine higher earnings with other travel or cash back cards.
If you’re frequenting concerts, movies, or dinners out, this card’s solid cash back on entertainment and dining is perfect. Your fun nights will actually earn you rewards. And even if you're feeling a night in? That cash back on Netflix, Spotify, Hulu, and more means your chill time is working in your favor. Combine that with groceries, and your apartment living will feed your rewards balance.
No foreign transaction fees is huge if you plan to study abroad, take a service trip, or just hit a hot spot on spring break. And, if you're wanting to dip your toes in the credit card world, this simple cash back option is a great place to get started.
If you rarely spend on entertainment, dining, or streaming and mostly pay tuition and rent (which often can’t go on credit cards), you might not earn much here.
The recommended credit score for the Savor Student Cash is limited to fair. But again, if you’re in a decent place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. And generally speaking, this is a beginner card. It should help you build up your portfolio when used responsibly.
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