BillSaver card review

Capital One Savor Student Cash Rewards Credit Card

Student dining and grocery rewards. Compare the cost, rewards, promotional APR, and credit profile before you apply.

Capital One Savor Student Cash Rewards Credit Card card art
BillSaver fitStudent dining and grocery rewards

Students credit is listed by the issuer as a general guide, not a promise of approval.

Annual fee
$0
Rewards
3% cash back at grocery stores, dining, entertainment, and popular streaming services; 5% on hotels and rental cars booked through Capital One Travel; 1% on other purchases.
Welcome offer
Students earn a $100 cash bonus after qualifying purchases; confirm the current spend deadline with Capital One.
Intro APR
No standard intro APR offer.
Regular APR
18.49% to 28.49% variable APR.
Balance transfer fee
Balance transfer fee applies.
Foreign transaction fee
$0
Credit profile
Students

BillSaver's view

A student card with useful real-life categories and no annual or foreign transaction fee.

Where this card can miss

The APR is high, so it should be treated as a credit-building tool, not a borrowing tool.

How to compare it

Use the reason you are shopping as the test. If you pay in full, estimate the rewards you would actually earn and subtract the annual fee. If you are moving debt, compare the transfer fee and payoff window with the regular APR waiting after the promotion. If you are building credit, put cost, reporting, deposit rules, and payment habits ahead of a flashy bonus.

The figures above are a comparison summary, not an application decision. Read the current issuer disclosure before applying because the offer, APR, fees, rewards, and eligibility rules may change.