- Sign-Up Bonus
- 5
- Spending Multipliers
- 5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
Summary
09/07/2026: Welcome offer increased to $100
- Sign-Up Bonus
- 5
- Spending Multipliers
- 5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
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
Cons
Issuer
Capital One, established in 1994 as a spin-off from Signet Financial Corp, has grown into one of the largest banks in the US with international presence in the UK and Canada. Leveraging data-driven strategies, it offers a diverse range of financial products, including credit cards, checking, savings, and business services. While serving over 100 million customers, Capital One is recognized as a subprime lender, occasionally denying credit to those with higher credit scores. With $662 billion in total assets and $69 billion in annual revenue in 2025, it maintains financial stability. The company emphasizes technology, employing real-time data, AI, and machine learning, and is committed to environmental sustainability, aiming to reduce GHG emissions and support renewable energy. Despite a decreasing physical branch presence, Capital One continues its mission to revolutionize banking by bringing ingenuity, simplicity, and humanity to the industry, reflecting a dedication to financial inclusion and adherence to regulatory standards as an FDIC-insured institution.
Spending Multipliers
5%
Miles on hotels through Capital One Travel
5%
Cash Back on vacation rentals through Capital One Travel
5%
Miles on car rentals through Capital One Travel
3%
Cash Back on restaurants
3%
Cash Back on select streaming services
3%
Cash Back on entertainment
3%
Cash Back on groceries
1%
Cash Back on all other purchases
Credits & Features
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