Capital One SavorOne Student Cash Rewards Credit Card
Basic Information
Program ID: savorone-student
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Student
Data Complete: Yes
Created: 01/07/2026 11:55
Last Scraped: 01/15/2026 06:47
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
Balance Transfer APR: 0.00%
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: Cash back is typically applied as a statement credit within 2-3 billing cycles (approximately 8-12 weeks) after meeting the spend requirement.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 8.00%
Bonus Categories: 3% Dining, 3% Entertainment, 3% Popular Streaming Services, 3% Grocery Stores (excluding superstores), 5% Hotels & Rental Cars booked via Capital One Travel, 8% Capital One Entertainment
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as the account is active.
Transfer Partners: N/A (Cash Back 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 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Capital One SavorOne Student card is designed for college students with limited or no credit history. For 2026, eligibility is projected to remain consistent, requiring applicants to be currently enrolled in an accredited higher education institution (e.g., university, college), be 18 years or older, and provide proof of income (even if part-time or from scholarships/grants). Applicants should ideally have a clean credit report if they have one, or no prior credit history. Capital One is known for its sensitivity to recent credit applications; while specific '1/6' or '2/24' rules are more common for their premium cards, student applicants should generally avoid applying for multiple credit cards, especially other Capital One cards, in a short timeframe (e.g., within 6 months) to maximize approval odds. A typical sign-up bonus (e.g., $50-$100 cash bonus) is usually offered after meeting a low spend threshold within the first few months of account opening.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, unusual spending patterns inconsistent with reported income, rapid accumulation of high credit limits across multiple lenders, frequent balance transfers without repayment, defaulting on payments, or applying for too many Capital One cards in a short period (e.g., within 6 months).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent cash back rewards on common student spending categories like dining and entertainment, no annual fee, and a great way to build credit history.
Top Negative Feedback:
Initial credit limits can be low, and the APR is high if balances are carried, which can be a challenge for students.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Capital One Quicksilver Student Cash Rewards Card
- Discover it® Student Cash Back
- Chase Freedom Rise℠
Card Value Score: 88.0 / 100
Est. Annual Rewards: $140.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 18 months
Store vs Co-brand: 90% General / 10% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0