Capital One Savor Student Cash Rewards Credit Card
- Annual Fee
- $0
- cash back · Welcome Bonus
- $50
- Highest rate (conditional)
- Up to 8X (Capital One Entertainment)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard Standard
- Point Valuation
- 1–1 cpp (mid: 1)
- Credit Required
- Poor to Excellent
Welcome Offer
Bonus: $50 cash back
Spend: $100
Period: 3 months
Earning Rates
- 8X
Capital One Entertainment
8% cash back on Capital One Entertainment ticketing platform purchases with your Savor Card
- 5X
Car Rentals Capital One
Earn unlimited 5% cash back on rental cars booked through Capital One Travel
- 5X
Hotels Capital One
Earn unlimited 5% cash back on hotels booked through Capital One Travel
- 5X
Capital One Travel
Earn unlimited 5% cash back on vacation rentals booked through Capital One Travel
- 3X
Dining
3% cash back on dining (restaurants, cafes, bars, fast food, food delivery)
- 3X
Entertainment
3% cash back on entertainment (movie theaters, concerts, sporting events, amusement parks)
- 3X
Streaming
3% cash back on streaming services (Netflix, Hulu, Disney+, Spotify, Apple Music, HBO Max)
- 3X
Grocery Stores
3% cash back at grocery stores (excludes superstores and warehouse clubs)
- 1X
All Other
1% cash back on all other purchases
Benefits & Perks
Insurance & Protections
2 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Dining Out
3% cash back at restaurants
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Details & Terms
Payment Terms
| Purchase APR | 18.74%–28.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Card Family
Savor family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Savor | entry | $0 | |
| Capital One Savorone | entry | $39 |
Product changes available between family members without a new credit inquiry.
Reviews & Analysis
Pros and 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
- +Keeps the same rewards and benefits after graduation
- +Reports to all 3 credit bureaus
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
- -Cash advances carry a 28.74% APR plus a 5% or $5 fee
- -No first-year rewards match like Discover
Who It's Best For
Best For
- Students who frequently eat out at restaurants and order food delivery
- Concert and event goers (8% back through Capital One Entertainment)
- Students with streaming subscriptions (Netflix, Spotify, Disney+, etc.)
Not Ideal For
- Students who primarily shop at Walmart, Target, or warehouse clubs (excluded from grocery bonus)
- Those who prefer simple flat-rate rewards without category tracking
- Students seeking intro APR offers for large purchases
The Math: Is $0 Worth It?
First-year value includes $50 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Capital One | — | Capital One |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Capital One | Capital One |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
