Should I get the Capital One SavorOne Student Cash Rewards Credit Card or the Discover it Student Cash Back?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Capital One SavorOne Student Cash Rewards Credit Card or the Discover it Student Cash Back?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Capital One SavorOne Student Cash Rewards Credit Card or the Discover it Student Cash Back?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

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Capital One SavorOne Student Cash Rewards Credit Card vs Discover it Student Cash Back

Both cards cost $0/yr. The Capital One SavorOne Student Cash Rewards Credit Card is better for capital one entertainment, while the Discover it Student Cash Back wins on rotating quarterly. Here's how they compare.

No image

Capital One SavorOne Student Cash Rewards Credit Card

Capital One

Discover it Student Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

50 cash

Earn Rates

Category	Capital One SavorOne Student Cash Rewards Credit Card	Discover it Student Cash Back
Rotating Quarterly	1X	5X
Dining

Category-by-Category Winner

The Capital One SavorOne Student Cash Rewards Credit Card wins in 4 of 5 categories. The Discover it Student Cash Back leads in 1.

Dining

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Entertainment

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Streaming

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Rotating Quarterly

Discover it Student Cash Back earns 5X vs 1X

Which Card Is Right for You?

Get the Capital One SavorOne Student Cash Rewards Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Capital One SavorOne Student Cash Rewards Credit Card or Discover it Student Cash Back?: Both cards earn 0X 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 SavorOne Student Cash Rewards Credit Card or the Discover it Student Cash Back?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Capital One SavorOne Student Cash Rewards Credit Card — Full Review All Capital One Cards

Discover it Student Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Discover cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Capital One SavorOne Student Cash Rewards Credit Card vs Discover it Student Cash Back

No image

Capital One SavorOne Student Cash Rewards Credit Card

Capital One

Discover it Student Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

50 cash

Earn Rates

Category	Capital One SavorOne Student Cash Rewards Credit Card	Discover it Student Cash Back
Rotating Quarterly	1X	5X
Dining

Category-by-Category Winner

The Capital One SavorOne Student Cash Rewards Credit Card wins in 4 of 5 categories. The Discover it Student Cash Back leads in 1.

Dining

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Entertainment

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Streaming

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Rotating Quarterly

Discover it Student Cash Back earns 5X vs 1X

Which Card Is Right for You?

Get the Capital One SavorOne Student Cash Rewards Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Capital One SavorOne Student Cash Rewards Credit Card or Discover it Student Cash Back?: Both cards earn 0X 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 SavorOne Student Cash Rewards Credit Card or the Discover it Student Cash Back?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Capital One SavorOne Student Cash Rewards Credit Card — Full Review All Capital One Cards

Discover it Student Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Discover cards

Capital One SavorOne Student Cash Rewards Credit Card vs Discover it Student Cash Back

No image

Capital One SavorOne Student Cash Rewards Credit Card

Capital One

Discover it Student Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

50 cash

Earn Rates

Category	Capital One SavorOne Student Cash Rewards Credit Card	Discover it Student Cash Back
Rotating Quarterly	1X	5X
Dining

Category-by-Category Winner

The Capital One SavorOne Student Cash Rewards Credit Card wins in 4 of 5 categories. The Discover it Student Cash Back leads in 1.

Dining

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Entertainment

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Streaming

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Rotating Quarterly

Discover it Student Cash Back earns 5X vs 1X

Which Card Is Right for You?

Get the Capital One SavorOne Student Cash Rewards Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Capital One SavorOne Student Cash Rewards Credit Card or Discover it Student Cash Back?: Both cards earn 0X 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 SavorOne Student Cash Rewards Credit Card or the Discover it Student Cash Back?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Capital One SavorOne Student Cash Rewards Credit Card — Full Review All Capital One Cards

Discover it Student Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Discover cards

Pros & Cons

Pros

+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

+Cashback Match doubles all cash back earned in year one automatically
+$20 statement credit annually for 3.0+ GPA (up to 5 years)
+5% on rotating quarterly categories (when activated)
+No annual fee or foreign transaction fee
+No credit score required to apply

Cons

−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
−Higher cash advance APR (29.99%)

−Must activate categories each quarter to earn 5%
−$1,500 quarterly cap on 5% categories
−Only 1% on non-bonus spending
−Discover network has less acceptance than Visa/Mastercard
−Shorter 6-month intro APR than some competitors

Pros & Cons

Pros

+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

+Cashback Match doubles all cash back earned in year one automatically
+$20 statement credit annually for 3.0+ GPA (up to 5 years)
+5% on rotating quarterly categories (when activated)
+No annual fee or foreign transaction fee
+No credit score required to apply

Cons

−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
−Higher cash advance APR (29.99%)

−Must activate categories each quarter to earn 5%
−$1,500 quarterly cap on 5% categories
−Only 1% on non-bonus spending
−Discover network has less acceptance than Visa/Mastercard
−Shorter 6-month intro APR than some competitors

Pros & Cons

Pros

+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

+Cashback Match doubles all cash back earned in year one automatically
+$20 statement credit annually for 3.0+ GPA (up to 5 years)
+5% on rotating quarterly categories (when activated)
+No annual fee or foreign transaction fee
+No credit score required to apply

Cons

−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
−Higher cash advance APR (29.99%)

−Must activate categories each quarter to earn 5%
−$1,500 quarterly cap on 5% categories
−Only 1% on non-bonus spending
−Discover network has less acceptance than Visa/Mastercard
−Shorter 6-month intro APR than some competitors

Capital One SavorOne Student Cash Rewards Credit Card vs Discover it Student Cash Back

Capital One SavorOne Student Cash Rewards Credit Card

Discover it Student Cash Back

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Which Card Is Right for You?

Frequently Asked Questions

Explore More

Capital One SavorOne Student Cash Rewards Credit Card vs Discover it Student Cash Back

Capital One SavorOne Student Cash Rewards Credit Card

Discover it Student Cash Back

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Which Card Is Right for You?

Frequently Asked Questions

Explore More

Capital One SavorOne Student Cash Rewards Credit Card vs Discover it Student Cash Back

Capital One SavorOne Student Cash Rewards Credit Card

Discover it Student Cash Back

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Which Card Is Right for You?

Frequently Asked Questions

Explore More

Benefits & Features

Pros & Cons

Benefits & Features

Pros & Cons

Benefits & Features

Pros & Cons