Capital One
Savor Student Credit Card
Estimated value every year on typical spending
$528/ year
Every year, after the annual fee. Year one adds a $50 welcome bonus: $578
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Capital One Savor Student Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $528 a year on typical spending. The welcome bonus adds roughly $50 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 18.74% to 28.74% variable
- Foreign fee
- None
- Rewards paid as
- Cash back
- Approval
- Built for no / limited credit
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 3% cash back at grocery stores and on dining, entertainment, and popular streaming services
Sign-up bonus
$50 cash bonus after spending $100 on purchases within the first 3 months from account opening.
Best for
- Students building credit
- Big spenders on groceries
- Keeping costs at $0
Not ideal for
- Maximizers chasing category bonuses
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- 18.74% to 28.74% variable
- Balance transfer fee
- Balance transfer fee applies.
- $500/mo on groceries earns about $180/year (3x).
- $1200/mo on everyday spending earns about $144/year (1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Savor Student Credit Card: questions people ask
Is the Capital One Savor Student Credit Card worth it?
With no annual fee, the Capital One Savor Student Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $528 a year on typical spending. The welcome bonus adds roughly $50 in the first year.
What is the Capital One Savor Student Credit Card annual fee?
The Capital One Savor Student Credit Card has no annual fee ($0).
What is the Capital One Savor Student Credit Card welcome bonus?
$50 cash bonus after spending $100 on purchases within the first 3 months from account opening. We value it at about $50. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Capital One Savor Student Credit Card earn?
3% cash back at grocery stores and on dining, entertainment, and popular streaming services.
What credit score do you need for the Capital One Savor Student Credit Card?
The issuer recommends good credit. Checking your matches on CardFit never runs a credit check.
Does the Capital One Savor Student Credit Card charge foreign transaction fees?
No. The Capital One Savor Student Credit Card has no foreign transaction fee.
Compare Savor Student Credit Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Capital One product page. Terms change often; confirm them with the issuer before you apply.