Capital One Savor Student

Quick Snapshot

• Annual Fee: $0
• APR: 19.49%-29.49% variable
• Rewards: 8% cash back on Capital One Entertainment, 5% on hotels and rental cars via C1 Travel, 3% on dining, entertainment, grocery, and streaming, 1% on everything else
• Bonus: $100 cash bonus after spending $300 on purchases in the first 3 months (limited-time offer)
• Best For: College students who want strong cash back on dining, entertainment, and groceries while building credit
• Credit Needed: Limited to Fair (student)

Overview

Renamed 2026. Capital One folded the SavorOne branding into Savor — capitalone.com/credit-cards/savorone-student now redirects to the Savor Student page. The card is otherwise unchanged, and Capital One is currently running a limited-time $100 bonus in place of the old $50 offer.

The Capital One Savor Student card brings the Savor's impressive earning structure to college students who are building their credit history for the first time. It earns the same 8% on Capital One Entertainment, 5% on hotels and rental cars via Capital One Travel, 3% on dining, entertainment, grocery stores, and streaming, and 1% on everything else. These rates are far more generous than most student cards, which typically top out at 1% or 2%.

The $100 welcome bonus after $300 of spending within the first 3 months is a limited-time offer and an easy target for most students. Beyond the bonus, the earning structure over time delivers substantial value for students whose spending naturally concentrates on dining, entertainment, and streaming services.

Capital One reports to all three major credit bureaus, helping students build a credit history from day one. The card has no annual fee and includes CreditWise, Capital One's free credit monitoring tool. Students who use this card responsibly during college will graduate with a solid credit profile and can potentially upgrade to the regular Savor or another Capital One card with higher limits.

APR Breakdown

• Purchase APR: 19.49%-29.49% variable
• Balance Transfer APR: 19.49%-29.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: Your APR will vary with the market based on the Prime Rate. This card does not offer a 0% introductory APR.

Benefits Overview

Student-Friendly Cash Back

• 8% cash back on Capital One Entertainment purchases
• 5% cash back on hotels and rental cars via Capital One Travel
• 3% cash back at restaurants and dining
• 3% cash back at grocery stores
• 3% cash back on entertainment purchases
• 3% cash back on popular streaming services
• 1% cash back on all other purchases

Credit Building

• Reports to all three major credit bureaus
• CreditWise free credit score monitoring and alerts
• No annual fee helps maintain a long credit history
• Potential for credit line increases with responsible use

Student Perks

• $100 welcome bonus after $300 of spending within 3 months (limited-time)
• No annual fee
• No foreign transaction fees
• Access to Capital One Entertainment for presale tickets

Rewards & Points

• 8% cash back on Capital One Entertainment purchases
• 5% cash back on hotels and rental cars via Capital One Travel
• 3% cash back on dining, entertainment, grocery stores, and streaming
• 1% cash back on all other purchases

Rewards are earned automatically with no activation required. Cash back can be redeemed as a statement credit or check at any amount. The earning structure is identical to the regular Savor, making this one of the most generous student cards available.

Welcome Bonus

Earn a $100 cash bonus after making any single purchase within the first 3 months of account opening. There is no minimum spending requirement beyond a single transaction, making this the easiest welcome bonus to earn in Capital One's card lineup.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: 3% for promotional, 4% for non-promotional
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• College students who want to earn cash back while building credit
• Dining-heavy students who eat out or order delivery frequently
• Streaming subscribers who pay for Netflix, Spotify, and other services
• First-time cardholders who want a real rewards card instead of a basic student card

Not Good For

• Non-students who should apply for the regular Savor instead
• High-limit seekers as student cards typically come with lower credit limits
• Balance carriers who would face high APR charges on carried balances

Key Pros & Cons

Pros

• Same earning structure as the regular Savor (8%/5%/3%/1%)
• 3% on dining, grocery, entertainment, and streaming matches student spending habits
• 8% on Capital One Entertainment for concerts and events
• No annual fee
• No foreign transaction fees (useful for study abroad)
• $100 limited-time welcome bonus needs only $300 of spending
• Reports to all three credit bureaus for building credit history
• Free CreditWise credit monitoring
• Potential to upgrade to the regular Savor after graduation

Cons

• Lower credit limits typical of student cards
• The $100 bonus is a limited-time offer and may revert to the standard $50
• No introductory 0% APR offer
• 1% on non-category spending is below flat-rate alternatives
• Variable APR can reach 29.49%
• Only available to enrolled college students
• Grocery bonus may not apply at campus convenience stores or superstores

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value for a typical student: approximately $233 including the $100 bonus and $183 in ongoing cash back on $8,100 in spending. Outstanding value for a student card.

Should You Get This Card?

You Should Get It If...

• You are a college student who wants to start building credit
• Your spending naturally falls into dining, entertainment, and streaming
• You want the highest possible rewards rates on a student card
• You prefer no annual fee so you can keep the card open long-term
• You plan to study abroad and want no foreign transaction fees
• You want access to Capital One Entertainment for concert presales

You Should Skip It If...

• You are not currently enrolled as a college student
• You prefer rotating 5% categories for potentially higher rewards
• You want a higher welcome bonus and can qualify for a non-student card
• You need a 0% intro APR for a large purchase
• Most of your spending is on gas, transportation, or non-bonus categories

Information verified as of July 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.