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Capital One Savor Student Cash Rewards Credit Card

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Rates and Fees

Annual Fee: $0

Bonus Miles
Recommended Credit
Limited or No Credit History
Current Offer

Early Spend Bonus: Earn $100 when you spend $300 in the first three months.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
$100
ELEVATED OFFER

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.

Summary

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.

Earning Rewards

  • 8% cash-back on entertainment purchases when you book through Capital One Entertainment
  • 5% cash-back on hotels and rental cars booked through Capital One Travel. Terms apply.
  • 3% cash-back on grocery stores (excluding Walmart and Target), dining, entertainment, and popular streaming services
  • 1% cash-back on all other purchases 

Additional Benefits

  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

Foreign Transaction Fee

Rates and Fees
  • None

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.

Also consider

Best for 2X on Everyday Spending

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Best for 2X on Everyday Spending

75,000
Bonus Miles
Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000
Bonus Miles
Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
The Capital One Venture Rewards credit card makes travel rewarding and easy. Earn miles on every purchase, which you can redeem for various travel expenses like flights, hotels, and car rentals. Plus, with no foreign transaction fees, it’s an ideal choice for international travel. If you’re looking to maximize rewards without crazy fees, this card would be a great addition to your wallet. This one continues to be a Daily Drop favorite.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Capital One Savor Student Cash Rewards Credit Card

CURRENT OFFER
ELEVATED OFFER

$100

Early Spend Bonus: Earn $100 when you spend $300 in the first three months.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
REWARDS RATE
ANNUAL FEE
Our Score
Annual fee (20%)
Welcome Offer (20%)
Point Redemption Value (20%)
Rewards Rates (15%)
Benefits (15%)
Travel Protections (10%)
Our Mission
Rating Methodology

Our Take

Comparable Cards

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

  • No annual fee
  • The card might be a good fit if you tend to spend heavily within the 3% cash back categories
  • Credit building opportunity without extreme fees

Cons

Rewards Summary

  • 8% cash-back on entertainment purchases when you book through Capital One Entertainment
  • 5% cash-back on hotels and rental cars booked through Capital One Travel. Terms apply.
  • 3% cash-back on grocery stores (excluding Walmart and Target), dining, entertainment, and popular streaming services
  • 1% cash-back on all other purchases 

Additional Benefits

  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

Customer Reviews & Redemptions

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How to make the most of your

Capital One Savor Student Cash Rewards Credit Card

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Authors

Updated:  
June 13, 2025

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.

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