Capital One Savor Student Cash Rewards Credit Card

Capital One Savor Student Cash Rewards Credit Card

MastercardIssued by Capital One

Earn 3% cash back on dining, entertainment, streaming, and grocery stores, plus 1% on all other purchases.

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ANNUAL FEE
$0

No annual fee for this card.

PURCHASE APR
18.49% – 28.49%

Rate based on creditworthiness and prime rate.

SIGN-UP BONUS
50

Earn $50 when you spend $100 in the first three months.

TOP CASH BACK
5% cash back

Earn unlimited 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel.

Key Benefits

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores
  • Earn 5% cash back on hotels and rental cars booked through Capital One Travel
  • Earn 8% cash back on purchases made through the Capital One Entertainment portal
  • Earn 1% cash back on all other purchases
  • No annual fee and no foreign transaction fees
  • Build credit history with responsible card use

Important Limitations

  • Carrying a month-to-month balance (has a high variable APR)
  • Non-students (must be enrolled or admitted to an accredited higher education institution)

Rewards Structure

Purchase CategoryRateAnnual LimitsDetails
Hotels & Rental Cars via Capital One Travel5% cash backUnlimited (no annual cap)
• Capital One Travel
Dining3% cash backUnlimited (no annual cap)Earn unlimited 3% cash back on dining purchases at restaurants, cafes, bars, lounges, fast-food chains, and bakeries.
Grocery Stores3% cash backUnlimited (no annual cap)Earn unlimited 3% cash back at grocery stores, supermarkets, meat lockers, freezers, dairy product stores, and specialty markets (excluding superstores).
Entertainment3% cash backUnlimited (no annual cap)Earn unlimited 3% cash back on entertainment, including movie theaters, sports promoters, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls, and bowling alleys, Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
Streaming Services3% cash backUnlimited (no annual cap)Earn unlimited 3% cash back on popular eligible streaming services like Netflix, Hulu, and Disney+.
All1% cash backUnlimited (no annual cap)Earn unlimited 1% cash back on all other purchases.

Fees & APR

ANNUAL FEE
$0
REGULAR PURCHASE APR
18.49% – 28.49%
CASH ADVANCE APR
28.49% – 28.49%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$40
BALANCE TRANSFER FEE
$0 OR 3%
CASH ADVANCE FEE
$5 OR 5%

Card Protection & Benefits

CreditWise from Capital One

  • ✓Get free access to your credit report and score anytime without hurting your credit score.
  • ✓Must enroll in CreditWise

Security Features

  • ✓$0 Fraud Liability – Protection against unauthorized charges if your card is lost or stolen.
  • ✓Card Lock – Instantly lock your card via the Capital One mobile app if it's misplaced, lost, or stolen.

Best Use Cases

IDEAL FOR

  • College students looking to build credit history
  • Students with high spending on dining and groceries
  • Studying or traveling abroad (no foreign transaction fees)

NOT RECOMMENDED FOR

  • Carrying a month-to-month balance (has a high variable APR)
  • Non-students (must be enrolled or admitted to an accredited higher education institution)

Maximize Your Rewards Strategy

Months 1–3: Hit the Bonus

  • Spend $100.00 to unlock $50.00 bonus
  • Effective 50% return on first $100.00
  • Time large purchases strategically
  • Track progress toward spending goal
  • Don't overspend just for the bonus

Earn More Cash Back

  • 5% cash back on Hotels & Rental Cars via Capital One Travel
  • 3% cash back on Dining
  • 3% cash back on Grocery Stores
  • Set up autopay to avoid late fees
  • Review partner programs for bonus opportunities

Ongoing: Optimize Categories

  • Prioritize highest-rate qualifying expenses first
  • Monitor any annual spending thresholds
  • Redeem cash back at minimum thresholds
  • Set up autopay to avoid late fees
  • Review new offers each year
Customer Support:
1-800-227-4825
Last updated: Mar 6, 2026

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