SavorOne Student Cash Rewards Credit Card

Capital One Mastercard Student Pending

Back Apply Now

25

Benefits

8

Reward Categories

8x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: savorone-student

Issuer: Capital One

Card Name: SavorOne Student Cash Rewards Credit Card

Card Type: Credit

Network: Mastercard

Card Tier: Student

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 11:55

Last Scraped: Feb 06, 2026 13:31

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Capital One offers Servicemembers Civil Relief Act (SCRA) benefits, including an interest rate cap of 6% on certain loans and credit obligations incurred before active duty.

Rewards Program (Detailed) 8 Categories
PENDING
Category Rate Type Description Annual Cap Status
Entertainment (Capital One Entertainment) 8x Cash Back Tickets purchased through Capital One Entertainment No Cap
Hotels (Capital One Travel) 5x Cash Back Hotels booked through Capital One Travel No Cap
Rental Cars (Capital One Travel) 5x Cash Back Rental cars booked through Capital One Travel No Cap
Dining 3x Cash Back Dining purchases No Cap
Entertainment 3x Cash Back Entertainment purchases No Cap
Streaming 3x Cash Back Popular streaming services No Cap
Groceries 3x Cash Back Grocery stores (excluding superstores like Walmart® and Target®) No Cap
All Other Purchases 1x Cash Back All other purchases not otherwise categorized No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 8x

Categories: 3% Dining, Entertainment, Popular Streaming Services, Grocery Stores (excluding superstores); 8% Capital One Entertainment; 5% Hotels & Rental Cars booked via Capital One Travel

Quarterly Rotating: No

Expiration Policy: Rewards don't expire for the life of the account.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 25 Total
PENDING
Account Management 5
Account Alerts
Alerts via text, email, phone

Receive alerts about your balance, payments, and unusual activity on your account.

Autopay

Set up automatic payments to ensure your bill is paid on time.

Customizable Due Date

Ability to choose your preferred monthly payment due date.

Paperless Statements

Opt for electronic statements instead of paper statements.

Mobile App Access

Manage your account, view transactions, and make payments through the Capital One mobile app.

Financial 1
No Annual Fee
$0

There is no annual fee for carrying this credit card.

Financial Management 1
CreditWise® Access
Free access

Monitor your credit with free access to your TransUnion® credit report and alerts.

Lifestyle 1
Visa Signature Concierge
24/7 personal assistance

24/7 complimentary personal assistance for travel planning, dining reservations, event tickets, and more.

Purchase Protection 2
Extended Warranty Protection
Up to 1 additional year

Extends the manufacturer's warranty on eligible items purchased with your card for up to one additional year.

Purchase Security
Up to 90 days

Covers eligible items purchased with your card against theft or damage for a specified period (typically 90 days) after the purchase date.

Rewards 3
Cash Back - Dining, Entertainment, Streaming, Groceries
3% cash back

Earn unlimited 3% cash back on purchases at dining establishments, entertainment venues, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®).

Cash Back - All Other Purchases
1% cash back

Earn unlimited 1% cash back on all purchases not covered by other bonus categories.

Cash Back - Vivid Seats
8% cash back

Earn 8% cash back on tickets purchased through vividseats.com.

Security 7
Fraud Coverage
$0 Fraud Liability

You are not responsible for unauthorized charges made on your card.

Eno® Virtual Card Numbers
Virtual card numbers

Generate virtual card numbers for online purchases to help protect your actual card number.

Eno® Fraud Alerts
Real-time alerts

Receive real-time fraud alerts from Eno, your Capital One assistant, for suspicious activity.

Security Alerts
Alerts via text, email, phone

Get alerts via text, email, or phone if Capital One notices suspicious activity on your account.

Lost/Stolen Card Reporting

Assistance with reporting a lost or stolen card and preventing unauthorized use.

Emergency Card Replacement
Expedited replacement

Assistance with getting a replacement card quickly if yours is lost or stolen.

Emergency Cash Disbursement
Emergency cash access

Assistance with getting emergency cash if your card is lost or stolen.

Travel 1
No Foreign Transaction Fees
$0

No additional fees are charged on purchases made outside the United States.

Travel Insurance 3
Auto Rental Collision Damage Waiver
Secondary coverage

Provides secondary coverage for damage due to collision or theft for most rental cars when you pay for the rental with your card and decline the rental company's collision damage waiver (CDW/LDW).

Travel and Emergency Assistance Services
Referral service

Provides a referral service for medical, legal, and other travel-related emergencies while you're away from home. Cardholders are responsible for the cost of any services received.

Roadside Dispatch®
Pay-per-use service

A pay-per-use roadside assistance program that provides services like towing, tire changing, jump starting, lockout service, and fuel delivery. Cardholders are responsible for service fees.

Welcome Offer 1
Cash Bonus Welcome Offer
$50 cash bonus

Receive a $50 cash bonus after spending $100 on purchases within the first 3 months from account opening.

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

Sign-Up Bonus
PENDING

$50

Cash Back

Requirement: Spend $100 in 90 days

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: 3% of the amount of each transferred balance that posts to your account.
Cash Advance: Either $5 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Capital One SavorOne Student card for 2026 is designed for students enrolled in a higher education institution (e.g., university, college) who are at least 18 years old. Applicants typically need a limited or fair credit history. A Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is required. The card offers a welcome bonus, usually a small cash bonus (e.g., $50) after spending a low threshold (e.g., $100) within the first 3 months of account opening. Capital One generally restricts new card applications to one every six months across all their products. While not a 'once per lifetime' bonus like Venture X, eligibility for subsequent SavorOne Student bonuses may be restricted if you've previously held or received a bonus for a similar SavorOne product.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, rapid accumulation of high credit limits across Capital One products, opening multiple Capital One cards in a short period (e.g., less than 6 months), unusual spending patterns inconsistent with declared income, repeated late payments, or defaulting on other Capital One accounts.

Cliff Effect Rules: Capital One enforces a 'one card every six months' application rule. While there isn't a strict 'cliff effect' like Chase's 5/24, exceeding Capital One's internal limits on total credit extended or number of open accounts can lead to application denials. Having an existing SavorOne or SavorOne Student card may make you ineligible for a new welcome bonus on another SavorOne Student card.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Easy to get approved for students, excellent for building credit history, good cash back rewards on dining, entertainment, and groceries.

Top Negative:
Relatively low initial credit limit, high APR if balances are carried, rewards structure might not be optimal for all student spending habits.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Capital One Quicksilver Student Cash Rewards Card
  • Discover it Student Cash Back
  • Chase Freedom Rise℠

Card Value Score: 80.0 / 100

Est. Annual Rewards: $138.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0