Capital One SavorOne Student Cash Rewards

Student card with 3% cash back on dining, entertainment, popular streaming, and grocery stores. 1% on all other purchases. No annual fee.

Last checked on June 11, 2026. We may earn a commission when you click through.

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✓ 3% cash back on dining, entertainment, and groceries ✓ No annual fee, making it budget-friendly ✓ Good option for students with fair credit
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Capital One SavorOne Student Cash Rewards

Visa · cashback

Our Verdict

The Capital One SavorOne Student card offers solid cash back rewards for dining and entertainment, making it a great choice for students. However, the variable APR range can be steep for those who carry a balance.

What it really costs

Annual fee No annual fee
APR Range 18.49% – 28.49%
Rewards3% cash back 3%
Welcome bonus$50 cash bonus once you spend $100 on purchases within 3 months from account opening $50

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Who it's for

Best for students who frequently dine out or enjoy entertainment options, as well as those looking to build credit without an annual fee.

Watch out

Be cautious of the high APR if you plan to carry a balance, as interest can accumulate quickly.

The good and the not so good

  • 3% cash back on dining, entertainment, and groceries
  • No annual fee, making it budget-friendly
  • Good option for students with fair credit
  • High APR range (19.99%-29.99% variable)
  • No sign-up bonus offered
  • Limited rewards on non-category purchases (1%)

In-Depth Review

The Capital One SavorOne Student Cash Rewards card is designed specifically for students, offering a compelling cash back structure that rewards dining, entertainment, popular streaming services, and grocery purchases at a rate of 3%. This makes it an attractive option for college students who often eat out or engage in social activities. With no annual fee, it helps students manage their finances while building credit. However, it’s important to note that the card comes with a variable APR ranging from 19.99% to 29.99%, which can be quite high compared to other student cards. If you tend to carry a balance, this could lead to significant interest charges, offsetting the benefits of cash back rewards. Additionally, there is no sign-up bonus, which may be a drawback for some. For those looking for more comprehensive rewards, other student cards might offer more enticing benefits. Overall, the SavorOne Student card is best suited for responsible spenders who will pay off their balance regularly to maximize cash back without incurring high interest.

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