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.
Annual Fee
$0
Top Earning Rate
3% back dining
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
50 cashback
$50 estimated value
Spend $100 in 90 days
Card Offers
public
50 cashback
$50 estimated value
Spend $100 in 90 days
Earning Rates
Excludes superstores like Walmart® and Target®
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 |
| Foreign Transaction Fee | 0% |
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
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
Is there an annual fee for the Capital One Savor Student Credit Card?
What cash back rates does the Savor Student card earn?
What is the welcome bonus on this card?
Does this card charge foreign transaction fees?
What credit score is needed to qualify for this card?
Does the Savor Student card earn cash back at Walmart or Target?
What credit monitoring tools are available to cardholders?
What are the purchase APR ranges for this card?
Is this card on the Mastercard network?
Is this card suitable for someone who is not a student?
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
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 2 of 3 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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