Savor Rewards for Students Credit Card

Savor Rewards for Students

Last Updated: 02/27/2026

Rating
4.3 / 5
Sign Up Bonus
$50
Annual Fee
$0
Credit Score
Student

Summary

Sign-Up Bonus
5
Spending Multipliers
5
Credits & Features
1
Fees
5
Application
5
Issuer
NaN

The Capital One Savor Rewards for Students card is a no-annual-fee student credit card designed for college students who want to earn cash back on dining, entertainment, and everyday purchases while building credit responsibly. Ideal for students who frequently spend on restaurants, streaming services, and social activities, this card offers elevated rewards in popular lifestyle categories, plus 1% cash back on all other purchases. It also features no foreign transaction fees, making it a smart option for studying abroad or international travel during school breaks. Cardholders can convert cash back into miles if they later add a Capital One Venture card, providing long-term travel flexibility as their financial needs grow. Additional perks include extended warranty protection, travel accident insurance, and 50% off handcrafted beverages at Capital One Café, adding everyday value on and off campus. Overall, the Capital One Savor Rewards for Students card is best suited for socially active students who want rewarding bonus categories, travel-friendly benefits, and a straightforward way to establish credit without paying an annual fee.

Pros

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No annual fee
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No foreign transaction fee
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Cash back can be converted to miles
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Extended warranty

Cons

Negative sign
1% catch all category

Issuer

Spending Multipliers

Credits & Features

Travel accident insurance
50% off handcrafted beverages at Capital One Café

Application

  • Capital One has a strict 1/6 rule, meaning you can only apply for 1 Capital One card every 6 months
  • Consider having at least a credit history for 2 year
  • Capital One usually pulls from all 3 major credit bureaus
  • See if you are pre-approved before applying
  • Capital One states that for fair credit, you may have defaulted in the past 5 years, or less than 3 years of credit history

Fees

  • No Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • 18.49% - 28.49% Variable APR
  • 28.49% APR for Cash Advance
  • $5 or 5% of each cash advance amount (whichever is greater)
  • 18.49% - 28.49% APR for Balance Transfer
  • 4% of each transfer amount
See Full and Updated Rate & Fee Schedule During Application Process