Capital One Savor Student Cash Rewards Credit Card vs SavorOne Rewards from Capital One
Annual fees: Capital One Savor Student Cash Rewards Credit Card $0/yr, SavorOne Rewards from Capital One $39/yr. Strongest bonus categories: Capital One Savor Student Cash Rewards Credit Card on dining, SavorOne Rewards from Capital One on hotels.
Card data as of November 13, 2026.
Capital One Savor Student Cash Rewards Credit CardCapital One · No annual fee
SavorOne Rewards from Capital OneCapital One · $39/yr
Overview
- Annual fee
- Capital One Savor Student Cash Rewards Credit Card$0LowestSavorOne Rewards from Capital One$39
- Welcome offerCurrent public offer
- Capital One Savor Student Cash Rewards Credit Card$50 cash backSavorOne Rewards from Capital One—
- Rewards
- Capital One Savor Student Cash Rewards Credit Card—SavorOne Rewards from Capital OneCash back
- Foreign transaction fee
- Capital One Savor Student Cash Rewards Credit CardNoneSavorOne Rewards from Capital OneNone
- Network
- Capital One Savor Student Cash Rewards Credit CardMastercardSavorOne Rewards from Capital OneMastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Capital One Savor Student Cash Rewards Credit Card3xSavorOne Rewards from Capital One3%
- Entertainment
- Capital One Savor Student Cash Rewards Credit Card3xSavorOne Rewards from Capital One3%
- Grocery Stores
- Capital One Savor Student Cash Rewards Credit Card3xSavorOne Rewards from Capital One3%
- Streaming
- Capital One Savor Student Cash Rewards Credit Card3xSavorOne Rewards from Capital One3%
- Everything else
- Capital One Savor Student Cash Rewards Credit Card1xSavorOne Rewards from Capital One1%
Perks & access— means none on record
- Other perks
- Capital One Savor Student Cash Rewards Credit Card—SavorOne Rewards from Capital One
- Free Concierge Service 24 Hours a Day Year Round
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Award Winning
- Exclusive Capital One Entertainment Access with Early Ticket
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Savor Student Cash Rewards Credit Card—SavorOne Rewards from Capital One
- Travel Accident Cover at No Extra Charge
- Purchase & returns
- Capital One Savor Student Cash Rewards Credit Card
- Zero Liability on unauthorized transactions
SavorOne Rewards from Capital One— - Extended warranty
- Capital One Savor Student Cash Rewards Credit Card—SavorOne Rewards from Capital One
- Extended Warranty Cover at No Charge on Eligible Purchases
- Other protections
- Capital One Savor Student Cash Rewards Credit Card
- 24/7 lost/stolen card assistance worldwide
SavorOne Rewards from Capital One- Credit monitoring
- Zero Dollar Fraud Liability Cover on All Unauthorized
- Virtual Card Numbers from Eno for Secure Online Shopping
Pros & cons
- Pros
- 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
SavorOne Rewards from Capital One- 3% cash back on popular categories for a $39 annual fee
- 3% back on dining, groceries, entertainment, and streaming services
- 8% cash back on Capital One Entertainment ticket purchases
- 5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
- No foreign transaction fees for international spending
- Cons
- 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
SavorOne Rewards from Capital One- Grocery exclusions for Walmart, Target, and warehouse clubs
- 1% base rate on non-bonus categories is below average
- $39 annual fee, no welcome bonus and no intro APR
- 29.24% variable purchase APR
- No travel benefits or lounge access
Category-by-Category Winner
No unconditional category winner — 3 categories depend on how you earn.
Hotels
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
Vacation Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Capital One Savor Student Cash Rewards Credit Card earns 1X (1X without restrictions)
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.
The better card depends on how much you spend.
| Scenario | Capital One Savor Student Cash Rewards Credit Card | SavorOne Rewards from Capital One | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $156 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $156 Year one: $206 | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $153 Year one: $153 | Capital One Savor Student Cash Rewards Credit Card | Capital One Savor Student Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $624 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $624 Year one: $674 | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $729 Year one: $729 | SavorOne Rewards from Capital One | SavorOne Rewards from Capital One |
Is the Fee Difference Worth It?
The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Capital One Savor Student Cash Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $39 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $39 fee gap means the SavorOne Rewards from Capital One needs roughly $39 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
The Bottom Line
The better card depends on how much you spend.
Published annual fees: Capital One Savor Student Cash Rewards Credit Card $0/yr, SavorOne Rewards from Capital One $39/yr — a $39 difference before welcome offers and credits.
Frequently Asked Questions
- Is the SavorOne Rewards from Capital One worth the higher annual fee?
- The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Capital One Savor Student Cash Rewards Credit Card. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Capital One Savor Student Cash Rewards Credit Card or SavorOne Rewards from Capital One?
- 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 Capital One Savor Student Cash Rewards Credit Card or the SavorOne Rewards from Capital One?
- Use the spend scenarios on this page: the Capital One Savor Student Cash Rewards Credit Card has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.
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.