Capital One SavorOne Student Cash Rewards
Student card with 3% cash back on dining, entertainment, popular streaming, and grocery stores. 1% on all other purchases. No annual fee.
Last checked on June 11, 2026. We may earn a commission when you click through.
Capital One SavorOne Student Cash Rewards
Updated 3 months agoYou'll be redirected to capitalone.com
The Capital One SavorOne Student card offers solid cash back rewards for dining and entertainment, making it a great choice for students. However, the variable APR range can be steep for those who carry a balance.
Pros
- ✓ 3% cash back on dining, entertainment, and groceries
- ✓ No annual fee, making it budget-friendly
- ✓ Good option for students with fair credit
Cons
- ✗ High APR range (19.99%-29.99% variable)
- ✗ No sign-up bonus offered
- ✗ Limited rewards on non-category purchases (1%)
Best For: Best for students who frequently dine out or enjoy entertainment options, as well as those looking to build credit without an annual fee.
Watch Out: Be cautious of the high APR if you plan to carry a balance, as interest can accumulate quickly.
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Expert Review
The Capital One SavorOne Student Cash Rewards card is designed specifically for students, offering a compelling cash back structure that rewards dining, entertainment, popular streaming services, and grocery purchases at a rate of 3%. This makes it an attractive option for college students who often eat out or engage in social activities. With no annual fee, it helps students manage their finances while building credit.
However, it’s important to note that the card comes with a variable APR ranging from 19.99% to 29.99%, which can be quite high compared to other student cards. If you tend to carry a balance, this could lead to significant interest charges, offsetting the benefits of cash back rewards. Additionally, there is no sign-up bonus, which may be a drawback for some.
For those looking for more comprehensive rewards, other student cards might offer more enticing benefits. Overall, the SavorOne Student card is best suited for responsible spenders who will pay off their balance regularly to maximize cash back without incurring high interest.
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APR
17.99%
Best for: Best for students who frequently dine out or enjoy entertainment options, as well as those looking to build credit without an annual fee.
Rewards
4%
APR
20.49%
Best for: Best for students who frequently dine out or enjoy entertainment options, as well as those looking to build credit without an annual fee.
Discover it® Student Cash Back
DiscoverAPR
18.24%
Best for: Best for students who frequently dine out or enjoy entertainment options, as well as those looking to build credit without an annual fee.
Annual Fee
$95
APR
19.24%
Best for: Best for students who frequently dine out or enjoy entertainment options, as well as those looking to build credit without an annual fee.
Rewards
1.5%
APR
18.49%
Best for: Best for students who frequently dine out or enjoy entertainment options, as well as those looking to build credit without an annual fee.
Rewards
1.5%
APR
15.74%
Best for: Best for students who frequently dine out or enjoy entertainment options, as well as those looking to build credit without an annual fee.
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