Review
Updated
Fact Checked
Nathan Alderman
For college students who go out often, the Capital One SavorOne Student Cash Rewards Credit Card could be a winner. It offers bonus rewards on dining and entertainment purchases, along with several other useful perks. Read our full Capital One SavorOne Student Cash Rewards Credit Card review to see if it's a fit for you.
Apply Now for Capital One SavorOne Student Cash Rewards Credit Card
On Capital One's Secure Website.
Apply Now for Capital One SavorOne Student Cash Rewards Credit Card
On Capital One's Secure Website.
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
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Apply Now for Capital One SavorOne Student Cash Rewards Credit Card
On Capital One's Secure Website.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Fair/New to Credit Under(669)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.99% - 29.99% (Variable)
Rewards Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), with 1% on all other purchases
1%-10% cash back
Annual Fee
$0
Welcome Offer Earn $50 Cash Back when you spend $100 in the first three months
Earn $50 Cash Back
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One of the top student credit cards, with no annual fee, no foreign transaction fee, and rewards that go toe to toe with just about any card.
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- Competitive cash back rewards
- No annual fee
- No foreign transaction fee
- Sign-up bonus
- Purchase and travel coverage
- No intro APR offer
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- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- 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
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
|---|---|---|---|---|---|
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Full Capital One SavorOne Student Cash Rewards Credit Card review
This credit card is a good fit for: Students who often spend on dining, entertainment, groceries, and/or streaming services.
Top perks
Some student cards are light on perks, but that's not the case with this one.
$50 sign-up bonus
As a new cardmember, you can 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.
What could be improved
There aren't any major issues with this card, but it has a drawback worth knowing about.
No intro APR offer
Some credit cards, including select student cards, have a 0% intro APR. The APR on a credit card is the interest rate. If a card has a 0% intro APR on purchases, it means you can pay off what you buy over that intro period interest free.
The Capital One SavorOne Student Cash Rewards Credit Card doesn't have any kind of introductory APR offer. It's not a good choice for paying off purchases over time, because you'll be charged interest right away. If you need some time to pay back a large expense, like books or tuition, check out more credit card reviews for one with this benefit.
RELATED: How Credit Card Interest Works
Suggested credit score
As a student credit card, the Capital One SavorOne Student Cash Rewards Credit Card has no minimum credit score requirement. Student cards are designed for young adults just starting to build credit.
This doesn't mean approval is guaranteed. Capital One will consider many factors, including your finances and any credit history you have, to evaluate your application.
SEE MORE: Best Starter Credit Cards
The Capital One SavorOne Student Cash Rewards Credit Card is right for you if:
You're a college student and you want to earn cash back while building your credit. The Capital One SavorOne Student Cash Rewards Credit Card is one of the best options for cash rewards. It has a high rate across several everyday spending categories and no annual fee, making it a great value for practically any student.
Our credit card methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
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Yes. You must be currently enrolled, or admitted and planning to enroll in the next three months, at a college or university to qualify for the Capital One SavorOne Student Cash Rewards Credit Card.
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Yes, any credit card can build credit, including the Capital One SavorOne Student Cash Rewards Credit Card. For the best results, use your card every month, don't let the balance get too high, and always pay the bill on time. It's also a good idea to pay the bill in full to avoid interest charges.
Our Credit Cards Experts
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
Fact Checked
Nathan Alderman
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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