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Capital One Savor Student Cash Rewards Credit Card

Capital One Savor Student Cash Rewards Credit Card
Capital OneCash BackNo annual fee
Apply Now

on Capital One's website

Annual Fee
$0
Welcome offer
$100
After $300 in 3 months

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Pros & Cons

Pros

  • +Welcome Bonus: $100
  • +Up to 3x on groceries
  • +No annual fee

Cons

  • –No purchase protection

Rewards

All Spending

1x

Cash Back pts per dollar

Groceries

3x

Cash Back pts per dollar

Restaurants

3x

Cash Back pts per dollar

Entertainment

3x

Cash Back pts per dollar

Streaming

3x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢3¢
Groceries3x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants3x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming3x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

56,400

Cash Back/yr

Estimated Value

$564

After Fees

+$564

1st Year Value

$565

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 3x25,200 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 3x10,800 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 3x3,600 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.88x
Total points earned56,400 pts
Value of points accumulated in the first year≈ $564

Additional Benefits

$0 annual fee. Rewards do not expire for the life of the account, and you can redeem cash back for any amount: redeem for cash, cover your purchases or get gift cards. When you graduate, the card stays with you and keeps all the same rewards and benefits. No foreign transaction fees on purchases made outside of the United States.

Terms & Conditions

Card Features

  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Early Spend Bonus: Earn $100 when you spend $300 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.