$0
Annual fee
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Card reviewCapital One
Updated Jul 3, 2026 · research
Capital OneCapital One Cash Back RewardsEditorially reviewed
Savor Rewards for Students
Student cash back card with a $0 annual fee, 3% cash back at grocery stores, on dining and entertainment, and a limited-time $100 cash bonus.
Entry LevelPersonal
Mastercard
Credit profile: fair$0
Annual fee
3% back dining
Top rate
N/A
Foreign fee
N/A
Rating
Current Welcome Offer
100 cashback
$100 estimated value
Spend $300 in 90 days
Verifiedpage footnote
Card Offers
public
100 cashback
$100 estimated value
Spend $300 in 90 days
page footnote
public
50 cashback
$50 estimated value
Spend $100 in 90 days
product page
Earning Rates
Dining
3%cash back
Dining
3%cash back
Entertainment
3%cash back
Entertainment
3%cash back
Grocery stores
3%cash back
The 3% grocery earn is limited to purchases made at grocery stores, excluding superstores like Walmart® and Target®.
Grocery Stores
3%cash back
Excludes superstores like Walmart® and Target®
Popular Streaming Services
3%cash back
All Other Purchases
1%cash back
Other purchases
1%cash back
Pros & Cons
Pros
- Earns a strong 3% cash back on dining, entertainment, streaming, and groceries with no annual fee
- Low $100 spending requirement to unlock the $50 welcome bonus within 90 days
- No foreign transaction fees, useful for students traveling or studying abroad
- No rotating categories to manage, keeping rewards simple and predictable
- Accessible to applicants with fair credit, making it a realistic option for students new to credit
Cons
- Grocery store 3% rate excludes popular superstores like Walmart and Target
- Purchase APR can reach 29.99%, which is high if a balance is carried month to month
- Only 1% back on purchases outside the bonus categories limits value for general spending
- CreditWise credit monitoring is not an exclusive perk and is available to anyone
- No premium travel or purchase protection benefits typically found on higher-tier cards
Key Takeaways
- Earns 3% cash back in four everyday student spending categories with no annual fee
- A $50 welcome bonus is available after spending just $100 in the first 90 days
- No foreign transaction fees make this card usable abroad without extra costs
- The 3% grocery rate excludes Walmart and Target, so shoppers at those stores earn only 1%
- Designed for fair credit applicants, making it a practical first or early credit card for students
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
APR Information
- Purchase APR
- 18.49% - 28.49%
- Balance Transfer APR
- 18.49% - 28.49%
- Cash Advance APR
- 28.49%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
4 benefits
Travel Credits
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
Is there an annual fee for the Capital One Savor Student Credit Card?
No, the Capital One Savor Student Credit Card has no annual fee. This makes it a cost-free card to hold as long as you are a student, with no yearly charge cutting into your rewards.
What cash back rates does the Savor Student card earn?
The card earns 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target). All other purchases earn 1% cash back. There are no rotating categories to track.
What is the welcome bonus on this card?
New cardholders can earn a $50 cash bonus after spending $100 within the first 90 days of account opening. This is a relatively low spending threshold, making the bonus accessible for most students.
Does this card charge foreign transaction fees?
No, the Capital One Savor Student Credit Card charges no foreign transaction fees. This makes it a practical card to use for purchases made outside the United States.
What credit score is needed to qualify for this card?
This card is designed for applicants with fair credit, making it accessible to students who are new to credit or still building their credit history. It is classified as an entry-level card.
Does the Savor Student card earn cash back at Walmart or Target?
No, grocery purchases at superstores like Walmart and Target do not qualify for the 3% grocery store rate. Those purchases would earn the standard 1% cash back on all other purchases.
What credit monitoring tools are available to cardholders?
Capital One cardholders have access to CreditWise, a free credit score monitoring tool. It is worth noting that CreditWise is available to anyone, not exclusively to Capital One cardholders.
What are the purchase APR ranges for this card?
The purchase APR ranges from 19.99% to 29.99% depending on creditworthiness. The cash advance APR is 29.99%, and the balance transfer APR ranges from 19.99% to 29.99%.
Is this card on the Mastercard network?
Yes, the Capital One Savor Student Credit Card runs on the Mastercard network, which is widely accepted at merchants both domestically and internationally.
Is this card suitable for someone who is not a student?
This card is specifically designed for college students and is classified as a student card targeting applicants with fair credit. Non-students looking for similar rewards may want to consider other cash back cards in Capital One's lineup.
About This Card
This card is best for college students who regularly spend on dining, entertainment, streaming subscriptions, and groceries, and want to earn meaningful cash back while building their credit history without paying an annual fee.
Savor Rewards for Students is a student cash back credit card for fair credit. The page states it has a $0 annual fee, earns 3% cash back at grocery stores, on dining and entertainment, and 1% on other purchases, and has a limited-time $100 cash bonus after spending $300 on purchases within the first 3 months from account opening.
The Savor Student card stands out by offering 3% cash back across four relevant everyday categories, including streaming services, with no annual fee and a very low welcome bonus spending requirement, a combination rarely found in the student card segment.
Ready to Decide?
Apply for the Savor Rewards for Students
100 cashback, worth about $100 estimated value, with no annual fee.
Spend $300 in 90 days
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Sources & Methodology
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