Bank of America® Customized Cash Rewards Card
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Capital One SavorOne Student Cash Rewards Card
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8.7MyCreditCardLab Score
MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
9.1MyCreditCardLab Score
MyCreditCardLab Score 9.1We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | $0 |
| INTRO APR | |
| and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. | 0% on Purchases and Balance Transfers for 15 months |
| REGULAR APR | |
| 18.24% - 28.24% Variable APR on purchases | APR: 19.99%-29.99% Variable APR, Cash Advance APR: 29.99%, Variable |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. | Earn $50 Cash Back when you spend $100 in the first three months |
| REWARDS | |
Bank of America® Customized Cash Rewards Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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Capital One SavorOne Student Cash Rewards Card Rewards stand out as a remarkably versatile credit currency. You have the flexibility to redeem your earnings in various ways, including:
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| BENEFITS | |
| Cash Back Rewards - Earn 3% cash back on everyday purchases. You get bonuses for gas. You also get them for shopping online, dining, travel, drug stores, and home improvements. No Annual Fee - Enjoy the card's benefits. You won't pay an annual fee. This makes it a cost-effective choice for student cardholders. Flexible Redemption - Redeem cash back rewards as a statement credit, deposit into a Bank of America® checking or savings account, or use it for purchases. Introductory Offer - Enjoy a $200 online cash rewards bonus after spending $1,000 in the first 90 days, providing a rewarding start. Category Spend Limit - Benefit from a combined spend limit of $2,500 on 2% and 3% categories each quarter, maximizing rewards potential. | Generous Cash Back Rewards - Earn unlimited cash back on every purchase. Earn bonus rewards. They are for popular categories like dining, entertainment, and groceries. No Annual Fee - Enjoy all the card benefits. There's no annual fee. It's a cheap option for students, Small Business Owners and Cash Back Seekers. Introductory APR - Benefit from a 0% introductory APR on purchases for the first 15-month period, allowing you to make buy and pay them off over time without accruing interest. This 0% benefit helps you buy everything you need to start your student career. Exclusive Access to Uber Rewards - Earn 10% cash back on Uber and Uber Eats purchases, along with complimentary Uber One membership statement credits until a specified date. Student-Friendly Features - Capital One offers various student-friendly features, including credit monitoring tools, flexible payment options, and access to Capital One CreditWise for tracking your credit health. |
| CASH ADVANCE FEE / APR | |
| For Direct Deposit and Check Cash Advances, you'll incur a $10 fee or 3% of the transaction amount. You pay whichever is greater. The fee for ATM, Over-the-Counter, Same-Day Online, and Cash Equivalent Cash Advances is $10 or 5% of the transaction amount. It's whichever is greater. Overdraft Protection Cash Advances come with a $12 fee per transaction. | 5% of the amount of the cash advance, but not less than $5 |
| BALANCE TRANSFER FEE | |
| 3% intro APR on Balance Transfers for 2 months, and then 4% | 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99% - 29.99% Variable APR |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 630 - 689 (Poor - Fair) |
| FOREIGN TRANSACTION FEE | |
| 3% | None |
| BEST FOR | |
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| More Details | More Details |
Bank of America® Customized Cash Rewards vs. Capital One SavorOne Student Cash Rewards
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