Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
18.99% - 28.99%(Verified 03/13/2026)
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Balance Transfer APR (Variable APR)
18.99% - 28.99%(Verified 03/13/2026)
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Credit Score Range
650 - 700
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Annual Fee
$0
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Capital One Savor Student Cash Rewards Credit Card Review
This is a rewards card issued by Capital One. If you're wondering whether Capital One Savor Student Cash Rewards Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 8x.
- All information about this card has been collected independently. This card is no longer available through SuperMoney.
- Earn $50 Cash Back when you spend $100 in the first three months
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.99% up to 28.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Savor Rewards for Students
| The Good | The Bad |
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Savor Rewards for Students FAQ
Does Savor Rewards for Students have a cash back or rewards program?
Savor Rewards for Students is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Car Rentals | 5 % cash back (5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel. 8% Cash Back on Capital One Entertainment purchases.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 3 % cash back (3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 5 % cash back (5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel. 8% Cash Back on Capital One Entertainment purchases.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Entertainment | 3 % cash back - 8 % cash back (3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Savor Rewards for Students have a signup bonus?
Yes. Earn $50 Cash Back when you spend $100 in the first three months
Does Savor Rewards for Students offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Savor Rewards for Students benefits?
Capital One Savor Student Cash Rewards Credit Card provides the following benefits:
- Emergency Support
- Travel Accident Insurance
What are the relevant APRs for Savor Rewards for Students?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Capital One Savor Student Cash Rewards Credit Card has a variable purchase APR that ranges from 18.99% up to 28.99%. The card has a variable balance transfer APR that ranges from 18.99% up to 28.99%. It also has a variable cash advance APR of 28.99% .
Does Savor Rewards for Students have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Savor Rewards for Students have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Savor Rewards for Students?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Savor Rewards for Students?
The customer service number for Savor Rewards for Students is (877) 383-4802.
What is the support contact email for Savor Rewards for Students?
The support contact email for Savor Rewards for Students is support@capitalone.com.
How do people rate the customer service and user experience of Savor Rewards for Students?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Capital One perform a hard credit pull?
Yes, Savor Rewards for Students performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Savor Rewards for Students
- Visit the website of Savor Rewards for Students.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Capital One Savor Student Cash Rewards Credit Card Disclosure: SuperMoney has partnered with CardRatings for our coverage of credit card products. SuperMoney and CardRatings may receive a commission from card issuers.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
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Credit Score Range
630 - 750
300
850
Annual Fee
$0
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
640 - 700
300
850
Annual Fee
$39
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
640 - 720
300
850
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
750 - 850
300
850
Annual Fee
$95
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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Capital One Savor Student Cash Rewards Credit Card Community Reviews
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