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MASTERCARDMastercard Standard

Capital One SavorOne Student Cash Rewards Credit Card

Annual Fee

Source: Capital One

$50

cash back · Welcome Bonus

Source: Issuer Page

Up to 8X (Capital One Entertainment)

Highest rate (conditional)

Apply on Capital One's site

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

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

portal

Capital One Entertainment

8% cash back on Capital One Entertainment concert and event tickets. Page-silent 2026-07-29 — issuer page renders this rate via an unresolved template placeholder (${product:...:SAVORSTUDENT}), so it could not be re-verified (H50); kept per convention, flagged in review queue.

Dining

3% cash back on dining (restaurants, cafes, bars, fast food, food delivery)

Entertainment

3% cash back on entertainment (movie theaters, concerts, sporting events, amusement parks)

Streaming

3% cash back on streaming services (Netflix, Hulu, Disney+, Spotify, Apple Music, HBO Max)

Grocery Stores

3% cash back at grocery stores (excludes superstores and warehouse clubs)

All Other

1% cash back on all other purchases

Benefits & Perks

Insurance & Protections

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

Medical identity monitoring

Complimentary HealthLock membership to monitor and protect your medical identity and data.

$10,000/item purchase protection (90 days)secondary

Details & Terms

Payment Terms

Purchase APR	18.49%–28.49% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	$0
Authorized User Fee	$0

Card Family

Savor family

Card	Tier	Annual Fee	Note
Capital One Savor	entry	$0	Entry-level dining and entertainment rewards with 4% dining
Capital One Savorone	entry	$39	Entry-level dining and entertainment rewards with 3% dining

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
+Automatic upgrade to SavorOne 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

Media & Resources

Evidence Sources

Source	Verified	Citation
Capital One	—	Capital One
Issuer Page	Jul 29, 2026	Issuer Page: Multiple card facts
Issuer Page	Aug 16, 2026	Issuer Page
Issuer Page	Sep 24, 2026	Issuer Page: Welcome offer
Issuer Page	Sep 24, 2026	Issuer Page: Welcome offer

Explore More

See all Capital Onecards →Best Dining Credit Cards Best Entertainment Rewards Cards Best Credit Cards for Streaming Best Credit Cards for Groceries Best Cards with Purchase Protection Browse all card categories →Browse all card benefits →Browse all credit cards →

Items purchased with your card are covered against damage or theft for 90 days, up to $10,000 per item, secondary to other insurance.

-Higher cash advance APR (29.99%)

-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

Welcome bonus$50

Annual credits (60% utilization)$0

Annual fee-$0

Net first-year value+$50

Credit Utilization (60%)

Annual credits$0

Excludes earning value, lounge access, insurance, and elite status

Total Value Captured

Annual Fee

-$0

Net Annual Value

+$0

Partner credits at

Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.

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