Capital One SavorOne Student Cash Rewards vs. Citi® Diamond Preferred®

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Capital One SavorOne Student Cash Rewards Card Capital One SavorOne Student Cash Rewards Card Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card
9.1MyCreditCardLab Score

MyCreditCardLab Score 9.1

We'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
10
Intro APR
10
Regular APR
8.5
Rewards
8
Benefits
8.8
Welcome Bonus
8
Recommended Credit Score: 8.5
Foreign Transaction Fee: 10
Cash Advance Fee: 9.7
Balance Transfer Fee: 9.5
8.1MyCreditCardLab Score

MyCreditCardLab Score 8.1

We'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
10
Intro APR
9.1
Regular APR
8.7
Rewards
5
Benefits
8.4
Welcome Bonus
5.4
Recommended Credit Score: 8.9
Foreign Transaction Fee: 8.2
Cash Advance Fee: 9.1
Balance Transfer Fee: 8.1
ANNUAL FEE
$0 $0
INTRO APR
0% on Purchases and Balance Transfers for 15 months 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.24%-28.99% Variable APR
REGULAR APR
APR: 19.99%-29.99% Variable APR, Cash Advance APR: 29.99%, Variable 18.24%-28.99% Variable
PROS
  • No annual fee
  • No foreign transaction fees
  • 3% cash back rewards on dining, entertainment, and groceries.
  • $50 Cash Back when you spend $100 in the first three months.
  • 0% intro APR on purchases and balance transfers for 15 months
  • 0% intro APR for 12 months on purchases
  • $0 annual fee
  • Offers intro APR for 21 months on Balance Transfers.
CONS
  • Low base rewards rate
  • May require a good credit score for approval.
  • There’s no introductory APR for new cardholders.
  • Limited rewards categories compared to other cards.
  • 5% (min $5) balance transfer fee
  • High regular APR
  • No rewards or welcome offer.
  • 3% foreign transaction fee
WELCOME BONUS
Earn $50 Cash Back when you spend $100 in the first three months This card does not offer a welcome bonus
REWARDS
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:
  • 3% cash back rewards on dining, entertainment, and groceries.
  • 8% Cash back on Capital One Entertainment purchases
  • Earn a generous 10% cash back on Uber and Uber Eats transactions, along with complimentary Uber One membership statement credits until 11/14/2024
Citi® Diamond Preferred® 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:
  • This card does not offer rewards
BENEFITS
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. Free access FICO® Score - Get free access to your FICO® Score online. ID theft protection - This applies to the Citi Diamond Preferred® Card. if you use most of your payments using a credit card this feature is best for you. However, Citi may offer identity theft resolution services. They help cardholders if they become identity theft victims. $0 fraud liability - Era of Technology, You get standard security features. They include $0 liability for unauthorized charges. You also get contactless payment. It adds convenience and security. EMV chip technology - This feature is useful for today. The card may have EMV chip technology. It makes unique codes for each purchase. This lowers the risk of counterfeit card fraud. Citi Entertainment - You can get into special events, presale tickets, and exclusive entertainment experiences through Citi Entertainment®. It makes being a cardholder better with unique entertainment.
CASH ADVANCE FEE / APR
5% of the amount of the cash advance, but not less than $5 Either $10 or 5% of the amount of each transfer, whichever is greater
BALANCE TRANSFER FEE
0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99% - 29.99% Variable APR APR: 18.24% to 28.99% variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
630 - 689 (Poor - Fair) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
None 3%
BEST FOR
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • Entertainment
  • Small Business Owners
  • Entertainment
  • U.S. Supermarket Spending
  • Balance Transfers
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