Capital One Savor Cash Rewards Credit Card vs Capital One SavorOne Student Cash Rewards Credit Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Extended Warranty

No Foreign Transaction Fees

Trip Protections

Capital One Savor Cash Rewards Credit Card

Annual Fee

$95

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

4x Dining Out / Food Delivery

4x Streaming Services

4x Entertainment (Concerts / Shows / Movies)

3x Groceries

1x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

$300 when you spend $3,000 in 3 months

Rating

(0) Our Review

Review

While it’s possible to do better in all of these categories, the combination of 4% on dining, entertainment, and streaming plus 3% at grocery stores, it’s quite a compelling combination of categories!

Certainly 4% on dining, entertainment, and 3% on groceries handles a big chunk of your daily spend, and a Capital One Venture Rewards Credit Card would complete the Capital One “Bifecta” since you could then transfer from the SavorOne to the Venture 1:1 and from there to all of the Capital One Miles transfer partners.

Of course, you can also carry a Capital One Spark Miles Business credit card instead of a Venture as they are essentially the same.

And if you don’t mind earning 3% on dining entertainment and streaming instead of 4%, you can even save the annual fee with a no-annual fee SavorOne credit card instead.

This card is no longer available at Your Best Credit Cards. Please see our Card Explorer to find the card that is right for you.

Unique Card Benefits

Extended Warranty

No Foreign Transaction Fees

Trip Protections

Capital One SavorOne Student Cash Rewards Credit Card

Annual Fee

Avg. Min. Credit Score

580-850

Ongoing APR

19.99%-29.99% (Variable)

Balance transfers fees

Balance Transfer Fee applies to balances transferred at a promotional rate

Best Multiplier

5x Car Rentals

5x Hotels

3x Dining Out / Food Delivery

1x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

You’ll earn $50 after you spend $100 in your first three months.

Rating

(4.13) Our Review

Review

As far as student credit cards go, the Capital One SavorOne Student Cash Rewards Credit Card is a winner.

It’s got the most bonus categories of any student cash back rewards credit card, with 8% cash back for Entertainment booked through Capital One Entertainment, 5% cash back on travel booked via Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target) and 1% cash back on all other eligible purchases.

You’ll also get a small cash bonus when you meet the terms of the Early Spend Bonus with your new card.

Most importantly, you’ll be building credit while also earning valuable rewards with no annual fee.

If you don’t spend a lot on dining, entertainment, streaming services and at grocery stores, you might prefer the Capital One Quicksilver Student Cash Rewards Credit Card, which lacks bonus categories but earns 1.5% cash back on all eligible purchases – 0.5% more than the Savor One Student credit card on non-bonused spend.

In short, it’s one of the best student credit cards around.

Unique Card Benefits

yes

Extended Warranty

yes

No Foreign Transaction Fees

yes

Trip Protections

yes