Bank of America® Customized Cash Rewards Secured vs Capital One Savor Student Cash Rewards Credit Card
Both cards cost $0/yr. The Bank of America® Customized Cash Rewards Secured leads on dining; the Capital One Savor Student Cash Rewards Credit Card on dining.
Card data as of November 13, 2026.
Bank of America® Customized Cash Rewards SecuredBank of America · No annual fee
Capital One Savor Student Cash Rewards Credit CardCapital One · No annual fee
Overview
- Annual fee
- Bank of America® Customized Cash Rewards Secured$0Capital One Savor Student Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Bank of America® Customized Cash Rewards Secured—Capital One Savor Student Cash Rewards Credit Card$50 cash back
- Rewards
- Bank of America® Customized Cash Rewards SecuredCash backCapital One Savor Student Cash Rewards Credit Card—
- Foreign transaction fee
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit CardNoneLowest
- Network
- Bank of America® Customized Cash Rewards SecuredVisaCapital One Savor Student Cash Rewards Credit CardMastercard
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit Card1x
- Dining
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit Card3x
- Drugstores
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit Card1x
- Electric Vehicle Charging
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit Card1x
- Entertainment
- Bank of America® Customized Cash Rewards Secured1%Capital One Savor Student Cash Rewards Credit Card3x
- Gas Stations
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit Card1x
- Grocery Stores
- Bank of America® Customized Cash Rewards Secured2%Capital One Savor Student Cash Rewards Credit Card3x
- Home Improvement
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit Card1x
- Online Shopping
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit Card1x
- Streaming
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit Card3x
- Telecom
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit Card1x
- Travel
- Bank of America® Customized Cash Rewards Secured3%Capital One Savor Student Cash Rewards Credit Card1x
- Wholesale Clubs
- Bank of America® Customized Cash Rewards Secured2%Capital One Savor Student Cash Rewards Credit Card1x
- Everything else
- Bank of America® Customized Cash Rewards Secured1%Capital One Savor Student Cash Rewards Credit Card1x
Perks & access— means none on record
- Other perks
- Bank of America® Customized Cash Rewards Secured
- Periodic deposit refund reviews
- Tap-to-pay contactless chip technology
- Apple Pay, Google Pay & Samsung Pay compatible
Capital One Savor Student Cash Rewards Credit Card—
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Bank of America® Customized Cash Rewards Secured
- Zero Liability on unauthorized charges
Capital One Savor Student Cash Rewards Credit Card- Zero Liability on unauthorized transactions
- Other protections
- Bank of America® Customized Cash Rewards Secured
- Monthly reporting to all 3 credit bureaus
- Monthly FICO score monitoring
- 24/7 fraud monitoring on all transactions
- Overdraft protection with Balance Connect
- 24/7 lost/stolen card assistance worldwide
Capital One Savor Student Cash Rewards Credit Card- 24/7 lost/stolen card assistance worldwide
Pros & cons
- Pros
- Bank of America® Customized Cash Rewards Secured—Capital One Savor Student Cash Rewards Credit Card
- 3% cash back on dining, entertainment, streaming, and grocery stores
- 8% cash back on Capital One Entertainment tickets
- No annual fee
- No foreign transaction fee for study abroad dining
- No category caps or quarterly activation required
- Cons
- Bank of America® Customized Cash Rewards Secured—Capital One Savor Student Cash Rewards Credit Card
- Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
- Only 1% on non-bonus categories
- No intro APR offer
- No good grades bonus like Discover offers
- Cash advances carry a 28.74% APR plus a 5% or $5 fee
Category-by-Category Winner
The Capital One Savor Student Cash Rewards Credit Card wins in 1 of 1 categories. The Bank of America® Customized Cash Rewards Secured leads in 0. 10 more categories depend on booking channel or caps.
Grocery Stores
Depends: Excludes Walmart, Target, and warehouse clubs
Capital One Savor Student Cash Rewards Credit Card earns 3X when conditions are met; Bank of America® Customized Cash Rewards Secured earns 2X (1X without restrictions)
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 2X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Drugstores
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Gas Stations
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Electric Vehicle Charging
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Home Improvement
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Online Shopping
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Telecom
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Cable TV
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Travel
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Entertainment
Capital One Savor Student Cash Rewards Credit Card earns 3X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Capital One Savor Student Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America® Customized Cash Rewards Secured | Capital One Savor Student Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Rewards: $156 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $156 Year one: $206 | Capital One Savor Student Cash Rewards Credit Card | Capital One Savor Student Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $624 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $624 Year one: $674 | Capital One Savor Student Cash Rewards Credit Card | Capital One Savor Student Cash Rewards Credit Card |
The Bottom Line
Both scenarios favor the Capital One Savor Student Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Bank of America® Customized Cash Rewards Secured or Capital One Savor Student Cash Rewards Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Bank of America® Customized Cash Rewards Secured or the Capital One Savor Student Cash Rewards Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.