The Capital One Savor Student Cash Rewards Credit Card gives 3% cash back on dining, entertainment, and streaming.
Earn a $50 bonus after spending $100 in the first 3 months. There’s no annual fee, and no foreign transaction fees apply.
If you want to start earning rewards with no hidden fees, consider applying for this card today.
How Does the Capital One Savor Student Cash Rewards Credit Card Work?
The Capital One Savor Student Card gives 3% cash back on dining, entertainment, streaming, and grocery stores (excluding Walmart® and Target®), plus 1% on other purchases.
Rewards can be redeemed in various ways, including as statement credits, checks, or gift cards. Notably, the rewards do not expire for the life of the account, providing flexibility in redemption.
To apply, students must be enrolled or admitted and planning to enroll in the next three months at an accredited higher education institution. The card has no annual fee, making it a cost-effective option for students.
Main details of the card
The Capital One Savor Student Cash Rewards Credit Card is designed for students to build credit while earning cash back on everyday purchases, making it a great choice for those in higher education.
This card offers 3% cash back on dining, entertainment, streaming, and grocery stores (excluding Walmart® and Target®), plus 1% on all other purchases.
If you’re interested in learning how to apply for this card and maximize its benefits, continue reading to discover the application process and more.
Benefits of the Capital One Savor Student Cash Rewards Credit Card
No Annual Fee
The Capital One Savor Student Cash Rewards Credit Card has no annual fee, making it a great option for students who want to avoid extra costs while earning rewards.
No Foreign Transaction Fees
Enjoy making purchases abroad without worrying about foreign transaction fees, making it ideal for students traveling or studying overseas.
3% Cash Back on Dining
Earn unlimited 3% cash back on dining purchases, including restaurants, cafes, and fast food, helping you earn as you enjoy meals out.
3% Cash Back on Entertainment
Get 3% cash back on entertainment like movies, concerts, and amusement parks, making it easier to enjoy your favorite activities while earning rewards.
3% Cash Back on Streaming
Earn 3% cash back on subscriptions to popular streaming services such as Netflix®, Hulu®, and Disney+, helping you save on entertainment at home.
1% Cash Back on Other Purchases
All other purchases earn 1% cash back, allowing you to earn rewards on a wide range of everyday spending.
Security Features of the Capital One Savor Student Cash Rewards Credit Card
Keeping your finances secure is crucial. The Capital One Savor Student Cash Rewards Credit Card offers multiple security features to protect your account from fraud and unauthorized use.
| Security Feature | Benefit |
| $0 Fraud Liability | You won’t be responsible for unauthorized purchases |
| Virtual Card Numbers | Generate unique card numbers for safer online shopping |
| Card Lock Feature | Instantly lock your card via the Capital One app |
| Real-Time Purchase Alerts | Get instant notifications for every transaction |
| 24/7 Customer Support | Access assistance anytime for security issues |
Disclaimer: Security features help protect your account, but users should always practice safe spending habits and monitor their transactions regularly.
How to Apply for the Capital One Savor Student Cash Rewards Credit Card?
Applying for the Capital One Savor Student Cash Rewards Credit Card is quick and easy through the official Capital One website. Follow these five simple steps to get started.
- Go to the Official Capital One Website: Find the Capital One Savor Student Cash Rewards Credit Card application page.
- Confirm Eligibility: You must be a student enrolled in an accredited college or university and have a valid U.S. Social Security Number.
- Complete the Application Form: Enter your personal details, including name, address, date of birth, and financial information.
- Review and Submit: Double-check your information for accuracy before sending the application for review.
- Get an Instant Decision: Many applicants receive a response within minutes. If approved, your card will be mailed to you.
Who Is the Capital One Savor Student Cash Rewards Credit Card For?
The Capital One Savor Student Cash Rewards Credit Card is tailored for students aiming to build credit while earning rewards on everyday expenses. Ideal candidates include:
- Enrolled Students – Those attending or planning to enroll in an accredited university, community college, or other higher education institutions.
- Age Requirement – Applicants must be at least 18 years old.
- Income Criteria – Students should have sufficient income to cover minimum payments, especially if under 21.
- Credit History – Designed for individuals with limited or no credit history, making it accessible for first-time credit card users.
This card is a great option for students who want to start building credit responsibly while earning cashback on common expenses like dining, entertainment, and groceries.
Is the Capital One Savor Student Cash Rewards Credit Card Worth It?
For students looking to earn rewards while building credit, this card is a strong choice. With 3% cash back on dining, entertainment, and streaming, it aligns well with typical student spending.
Since there’s no annual fee, students can enjoy rewards without extra costs. Plus, responsible use can help establish a solid credit history, which is essential for future financial opportunities.
However, the APR can be high, so carrying a balance isn’t ideal. For those who pay their bill in full each month, the Capital One Savor Student Cash Rewards Credit Card is a great long-term financial tool.
Frequently Asked Questions About the Capital One Savor Student Cash Rewards Credit Card
Capital One uses merchant category codes to determine eligible purchases for cash back. Purchases may be categorized differently by merchants.
Yes, the card offers 5% cash back on travel bookings made through Capital One Travel. There are also no foreign transaction fees.
Cash back rewards can be redeemed as statement credits, gift cards, or checks. They do not expire as long as the account remains open.
Yes, you can earn a $50 cash bonus after spending $100 within the first 3 months. This bonus provides an additional incentive for new cardholders.