Capital One SavorOne Student Cash Rewards Card
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Southwest Rapid Rewards® Plus Card
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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. |
8.5MyCreditCardLab Score
MyCreditCardLab Score 8.5We'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 | $69 |
| INTRO APR | |
| 0% on Purchases and Balance Transfers for 15 months | No intro offer available |
| REGULAR APR | |
| APR: 19.99%-29.99% Variable APR, Cash Advance APR: 29.99%, Variable | 21.49% - 28.49% Variable APR |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| Earn $50 Cash Back when you spend $100 in the first three months | 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening |
| 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:
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Southwest Rapid Rewards® Plus Card Rewards program provides exceptional flexibility in credit currency. Redeem your earnings across a wide range of options, including:
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| 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. | Various protections and perks - There are enough perks to justify keeping the card year after year. The lost luggage reimbursement and baggage delay insurance can reimburse you. They give you peace of mind when traveling. So can the extended warranty and purchase protection. The anniversary point bonus and EarlyBird check-ins also make it worthwhile. Redemption flexibility - There aren’t any blackout dates, so you can use your rewards points whenever you choose. 25% back on inflight purchases - You’ll get a nice discount on any inflight purchases. This includes drinks, meals, and internet access. Extended warranty protection - Southwest Plus cardholders can add a year to the original warranty on eligible purchases made with the card. They can do this up to $10,000 per claim. Baggage delay insurance - This benefit provides reimbursement for emergency purchases of essential items. It applies when your baggage is delayed for over six hours. It covers up to $100 per day for a maximum of three days. 2 EarlyBird check-ins each year - You’ll get a pair of credits you can use for early check-ins twice per year. This lets you check in automatically before the typical 24-hour check-in. It lets you get an earlier boarding position and a better chance to pick your seat and store your bags. EarlyBird check-in typically costs between $15 and $20. |
| CASH ADVANCE FEE / APR | |
| 5% of the amount of the cash advance, but not less than $5 | 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, 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 | 21.49%–28.49% variable, plus a fee of 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 | |
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| More Details | More Details |
Capital One SavorOne Student Cash Rewards vs. Southwest Rapid Rewards® Plus
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