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Capital One Savor Student Cash Rewards Credit Card Review

Last Updated on May 13, 2026

Offer Rating

4.0/5

By Our Content Team

EDITOR

The Capital One Savor Student Cash Rewards Credit Card is a great option for students looking for a no annual fee card that offers cash back on the things they buy most – dining, entertainment, groceries, and more!

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Capital One Savor Student Cash Rewards Credit Card card art Rates & Fees

Capital One Savor Student Cash Rewards Credit Card

4.0 BCC Score
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on Capital One's secure site

Welcome Offer
Earn $50 Cash Back when you spend $100 in the first three months
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel, 8% Cash Back on Capital One Entertainment purchases, and 1% Cash Back on all other purchases
Intro APR
N/A, then 18.49% - 28.49% (Variable)
Annual Fee
$0
Credit Score Needed
Average, Fair, Limited
Card Brand
Mastercard
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
  • Top rated mobile app

Review additional details for Capital One Savor Student Cash Rewards Credit Card

More Info

Pros

  • Pay no annual fee and no foreign transaction fees
  • Earn generous cash back rewards on purchases with no limits
  • Enjoy helpful account management tools like $0 fraud liability and automatic consideration for a higher credit line in as little as 6 months

Cons

  • No intro APR on purchases or balance transfers. Balance Transfer Fee applies to balances transferred at a promotional rate

OUR EXPERT REVIEW

Why We Like It

With a cash back focus on dining and entertainment, the Capital One Savor Student Cash Rewards Credit Card is an excellent choice for any student looking to earn rewards and build credit while in school. This card offers an attractive rewards rate of 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel, 8% Cash Back on Capital One Entertainment purchases, and 1% Cash Back on all other purchases.

The cash back program is very simple – you'll never have to worry about rotating categories or signing up to earn cash rewards. Plus, the cash back you earn won't expire for the life of the account and there's no limit to how much you can earn.

Students will also love that this card comes with no hidden fees, including no annual fee and no foreign transaction fees. That will help you get started on the right foot with building credit, and can have you save a lot of money if you need to use the card while studying abroad or traveling overseas.

Pros & Cons

Pros

  • Pay no annual fee and no foreign transaction fees
  • Earn generous cash back rewards on purchases with no limits
  • Enjoy helpful account management tools like $0 fraud liability and automatic consideration for a higher credit line in as little as 6 months

Cons

  • No intro APR on purchases or balance transfers. Balance Transfer Fee applies to balances transferred at a promotional rate

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