Capital One SavorOne Student Cash Rewards Credit Card
Basic Information
Program ID: savor-student
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Student
Data Complete: Yes
Created: 01/15/2026 17:22
Last Scraped: 01/15/2026 17:23
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $100.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Cashback
Base Reward Rate: 1.00%
Bonus Reward Rate: 8.00%
Bonus Categories: 3x Dining, 3x Entertainment, 3x Popular Streaming Services, 3x Grocery Stores (excluding superstores like Walmart® and Target®), 8x Capital One Entertainment purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.
Transfer Partners: N/A (Cashback card)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 600 - 670
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Multiple (Experian, TransUnion, Equifax)
Issuer Rules
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.
Maximum Cards Per Issuer: 2
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent cash back on dining, entertainment, and groceries; no annual fee; great for building credit history for students.
Top Negative Feedback:
High variable APR if carrying a balance; initial credit limits can be low; limited travel benefits.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 6 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0