rewardopedia
Compare cards
Card reviewCapital One
Updated Apr 14, 2026 · research
CO
Capital OneCapital One Cash BackEditorially reviewed

Capital One Savor Student Credit Card

A no-annual-fee student cash back card that earns elevated rewards on dining, entertainment, and streaming, plus everyday rewards on groceries and all other purchases.

Entry LevelPersonal
Mastercard
Credit profile: fair
$0
Annual fee
3% back dining
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

50 cashback

$50 estimated value

Spend $100 in 90 days

Verifiedproduct page
Apply NowCompare This CardBrowse all cards

Card Offers

public

50 cashback

Verified

$50 estimated value

Spend $100 in 90 days

product page

Earning Rates

Dining
3%cash back
Entertainment
3%cash back
Grocery Stores
3%cash back

Excludes superstores like Walmart® and Target®

Popular Streaming Services
3%cash back
All 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 TypeAmount
Annual Fee$0
Foreign Transaction Fee0%

APR Information

Purchase APR
19.99% - 29.99%
Balance Transfer APR
19.99% - 29.99%
Cash Advance APR
29.99%

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

3 benefits

Travel Credits

Statement Credits

Lifestyle Benefits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Low Welcome Bonus Threshold

The $50 cash bonus requires only $100 in spending within 90 days, one of the most attainable welcome offer thresholds available on any student card. Most students can meet this requirement within their first month.

Streaming Services Earn 3% Back

Popular streaming services are included in the 3% cash back category, which is a direct fit for a student lifestyle. This is a category that many general cash back cards do not specifically reward at an elevated rate.

No Foreign Transaction Fee on an Entry-Level Card

Foreign transaction fee waivers are more commonly found on premium travel cards, making this benefit notably useful for a no-annual-fee student card. Students studying abroad or traveling internationally can use this card without incurring additional charges.

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.

The Capital One Savor Student Credit Card is designed for college students looking to build credit while earning cash back rewards. It earns 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®), and 1% on all other purchases. There is no annual fee, no foreign transaction fees, and no rotating categories to track.

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 Capital One Savor Student Credit Card

50 cashback, worth about $50 estimated value, with no annual fee.

Spend $100 in 90 days

Apply NowCompare Cards

Reward Program

Capital One Cash Back

Earns Cash Back

Learn more

Card Categories

Student CardsCash Back CardsNo Annual Fee CardsNo Foreign Transaction Fee

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 2 of 3 benefits rated high confidence
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

Found an error? Report it here.