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Credit card review

Capital One Savor Student Cash Rewards Credit Card review

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

Review snapshot See issuer terms

Snapshot

What to know first

Issuer
Capital One
Network
Mastercard
Annual fee
$0
Credit profile
Students
Best fit
Student dining and grocery rewards
Categories
Cash back, Students, Build credit, No annual fee

BillSaver take

Use this card only if the fit is clear

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

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

Pros

  • A student card with useful real-life categories and no annual or foreign transaction fee.
  • 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. Annual fee: $0.
  • Intro APR value: No standard intro APR offer.

Cons

  • The APR is high, so it should be treated as a credit-building tool, not a borrowing tool.
  • Balance transfers are not free: Balance transfer fee applies.

Best for

  • Readers who want student dining and grocery rewards and match a students profile.
  • Households comparing Cash back, Students, Build credit, No annual fee options and willing to verify current issuer terms before applying.
  • People who want a card that is cheaper to keep open long term.

Skip if

  • You will carry a balance after any intro period; interest can erase rewards quickly.
  • The main trade-off is a deal-breaker for you: The APR is high, so it should be treated as a credit-building tool, not a borrowing tool.

Terms snapshot

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
$50 bonus after qualifying spend.
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

Issuer terms and source check

BillSaver summarizes publicly available terms for comparison. Before applying, read the issuer terms page directly and confirm rewards, APRs, fees, welcome offer requirements, transfer rules, credits, and eligibility restrictions.

Open issuer terms for Capital One Savor Student Cash Rewards Credit Card

How BillSaver evaluates this card

We compare the card against the job a reader is likely hiring it to do: rewards, debt breathing room, travel value, student use, business spending, or credit building. The review weighs annual fee, reward simplicity, APR exposure, intro period, transfer cost, foreign transaction fee, credit profile, issuer terms access, and the practical trade-off called out above.

Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying. BillSaver may earn compensation from some product links when approved relationships exist; compensation does not replace issuer terms or editorial fit. Source: issuer terms page linked above. Last checked May 18, 2026. Read the BillSaver credit card methodology and advertising disclosure.