Capital One SavorOne Student Cash Rewards Credit Card

Capital One Mastercard Student Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: savor-student

Issuer: Capital One

Card Name: Capital One SavorOne Student Cash Rewards Credit Card

Card Type: Credit

Network: Mastercard

Card Tier: Student

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 17:22

Last Scraped: Jan 15, 2026 17:23

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Cashback

Base Rate: 1x

Bonus Rate: 8x

Categories: 3x Dining, 3x Entertainment, 3x Popular Streaming Services, 3x Grocery Stores (excluding superstores like Walmart® and Target®), 8x Capital One Entertainment purchases

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: N/A (Cashback card)

Redemption Penalties: None

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

$50

Cash Back

Requirement: Spend $100 in 90 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $1.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 670
Fair
Supported
Application Process
Available
Available
Multiple (Experian, TransUnion, Equifax)
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Capital One SavorOne Student card (as of 2026) typically requires applicants to be currently enrolled in an accredited U.S. college or university, be at least 18 years old, and a U.S. resident. It is designed for students with limited or no prior credit history. Capital One generally has a conservative approach to new applications, often limiting approvals to 1-2 new credit cards (from any issuer) within a 6-month period. While not a strict 'once per lifetime' bonus like premium cards, applicants may be ineligible for a sign-up bonus if they have previously received a bonus for a Savor-family card (e.g., SavorOne, Savor) within the last 24-48 months, though student cards often have smaller, less restrictive bonuses.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, rapid accumulation of high credit limits across Capital One cards, sudden drastic changes in spending patterns, repeated late payments, abuse of rewards programs, or opening too many new accounts (from any issuer) in a short period.

Cliff Effect Rules: While the SavorOne Student card does not have a 'once per lifetime' bonus restriction akin to the Venture X, obtaining a SavorOne Student card may impact eligibility for future sign-up bonuses on other Savor-family cards (SavorOne, Savor) if you later upgrade or apply for them. Capital One may consider you an existing Savor-family cardholder, potentially making you ineligible for a new bonus on a higher-tier Savor card.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent cash back on dining, entertainment, and groceries; no annual fee; great for building credit history for students.

Top Negative:
High variable APR if carrying a balance; initial credit limits can be low; limited travel benefits.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Discover it Student Cash Back
  • Capital One Quicksilver Student Cash Rewards Credit Card
  • Petal 1 Rise Visa Credit Card

Card Value Score: 80.0 / 100

Est. Annual Rewards: $138.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0