The Ultimate Guide to Credit Cards™
Wednesday, September 30, 2026

Capital One Savor Student Cash Rewards Credit Card

Erica Sandberg

By: Erica Sandberg

Editor: Jon McDonald

Reviewer: Ashley Fricker

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Are you considering applying for the Capital One Savor Student Cash Rewards Credit Card? Here's a rundown of the key details of the card, along with links to its official website and application.

This card is optimal for most students who need a card to purchase food and entertainment. There are no caps on how much cash back you can earn, and rewards never expire.

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.
  • 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
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 18.74% - 28.74% (Variable)
Annual Fee $0
Credit Needed Average, Fair, Limited

Interest Rate & Annual Fee

According to the issuer, the Capital One Savor Student Cash Rewards Credit Card currently charges the following APR on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 18.74% - 28.74% (Variable)

The following is the current annual fee for the Capital One Savor Student Cash Rewards Credit Card, as listed by the issuer:

  • Annual Fee: $0
See site for details »

Credit Needed for Approval

The current general credit requirement for the Capital One Savor Student Cash Rewards Credit Card is:

  • Credit Level: Average, Fair, Limited

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About the Author

Erica Sandberg is a consumer finance expert and journalist whose articles and insights are featured in publications such as the Wall Street Journal, Reuters, MarketWatch, Forbes, and MSN Money. An experienced media host, she's led many financial programs, including her podcast, "Adventures With Money." She's appeared on Fox, CNN, "EconTalk" and "The Dr. Drew Podcast," and has been the resident money and credit authority for KRON-4 News in San Francisco for more than 10 years. She's the author of "Expecting Money: The Essential Financial Plan for New and Growing Families" and recipient of the 2024 Financial Literacy and Education in Communities (FLEC) Award for National Excellence.