Early Spend Bonus: For a limited-time, earn $100 when you spend $300 in the first three months
Capital One Savor Student Cash Rewards Credit Card
LIMITED TIME OFFER
$100 Bonus Points
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Our Take
McKay MoffittFor a student card, this one pretty much speaks for itself. With no annual fee, solid cash back on dining, entertainment, popular streaming, and grocery stores, it’s designed for college life. Want to grab pizza, catch a concert, or spend the weekend binging your favorite shows? This card will pay you back. Plus, it helps build your credit for bigger, better cards later.
Comparable Cards
Capital One Quicksilver Student Cash Rewards Credit Card
Annual Fee: $0
Welcome Offer
$100 Bonus Points
Pros & Cons
Pros
No annual fee
The card might be a good fit if you tend to spend heavily within the 3% cash back categories
Credit building opportunity without extreme fees
Cons
No travel-specific perks or protections
Lower overall spending limits typical for student cards
Rewards Summary
8% cash-back on entertainment purchases when you book through Capital One Entertainment
5% cash-back on hotels, vacation rentals and rental cars booked through Capital One Travel.
3% cash-back on grocery stores (excluding Walmart and Target), dining, entertainment, and popular streaming services
1% cash-back on all other purchases
Additional Benefits
- Early Spend Bonus: For a limited-time, earn $100 when you spend $300 in the first three months
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- 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
- Top rated mobile app
How to make the most of your Capital One Savor Student Cash Rewards Credit Card
[.dontreco] We don’t recommend: Forgetting to redeem your rewards [.dontreco]
While the rewards are straightforward, make sure to regularly check your cash back balance and redeem it as needed. It's easy to let it accumulate without taking advantage of it.
[.sometimesreco] We sometimes recommend: Using it for gift cards[.sometimesreco]
With the option to use cash back for gift cards, that's a fun way to (sometimes) redeem your rewards, but it's not always the best value.
[.alwaysreco] We always recommend: Using it for everyday purchases like dining and streaming[.alwaysreco]
Because of its great cash-back rates, use the Savor Student Card for all your day-to-day spending. It's an easy way to earn consistent rewards.
Offer History
Offer Dates
Offer Details
- Current Offer since Jun 2026Early Spend Bonus: For a limited-time, earn $100 when you spend $300 in the first three months
- Sep 2025 through Jun 2026Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Jun 2025 through Sep 2025Earn a $100 cash bonus while getting unlimited 3% cash back on food and fun! Terms apply.
- May 2023 through Jun 2025Earn $200 cash bonus after spending $500 on purchases within the first three months from account opening.
- Nov 2020 through May 2023Earn $200 cash bonus after spending $500 on purchases within the first three months from account opening.
- Aug 2018 through Nov 2020Earn $150 bonus after spending $500 in the first three months from account opening.
Who Should Get The Capital One Savor Student Cash Rewards Credit Card?
1. If You're Out and About
If you’re frequenting concerts, movies, or dinners out, this card’s solid cash back on entertainment and dining is perfect. Your fun nights will actually earn you rewards. And even if you're feeling a night in? That cash back on Netflix, Spotify, Hulu, and more means your chill time is working in your favor. Combine that with groceries, and your apartment living will feed your rewards balance.
2. The Student Traveler
No foreign transaction fees is huge if you plan to study abroad, take a service trip, or just hit a hot spot on spring break. And, if you're wanting to dip your toes in the credit card world, this simple cash back option is a great place to get started.
Who Should Not Get The Capital One Savor Student Cash Rewards Credit Card?
If you rarely spend on entertainment, dining, or streaming and mostly pay tuition and rent (which often can’t go on credit cards), you might not earn much here.
Recommended Credit
The recommended credit score for the Savor Student Cash is limited to fair. But again, if you’re in a decent place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. And generally speaking, this is a beginner card. It should help you build up your portfolio when used responsibly.
Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Frequently Asked Questions (FAQs)
What happens to Capital One student card when you graduate?
Nothing changes right away, and you can keep using it like normal. And, Capital One may even upgrade you to a non-student version down the line.
Does applying for a credit card hurt your credit?
Applying for a new card can cause a small, temporary dip in your score due to the hard credit pull, but it’s normal and usually bounces back quickly.
What is the difference between Quicksilver and Savor student?
The Quicksilver Student card gives you a flat cash back rate back on everything, while the Savor Student card earns more on dining, entertainment, and streaming.
Our Experts
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.