Capital One SavorOne Student Card Review

9.10/10 MyCreditCardLab Score
Capital One SavorOne Student Cash Rewards Card Rating & Score with Credit Cards System

Objective testing of credit cards involves conducting systematic evaluations based on predefined criteria to assess their features, benefits, fees, and overall value proposition.

For more information see our credit card score explanation here.
10

Intro APR

Intro APR credit cards offer a temporary period with low to no interest rates on purchases or balance transfers. They provide a financial break before regular rates apply.

For more information see our Intro APR score explanation here.
0% intro APR for 15 months
8.5

Regular APR

The APR is the ongoing interest rate for balances on credit cards. This is after any intro or promo periods end. It affects the long-term cost of borrowing.

For more information see our Regular APR score explanation here.
19.99% - 29.99% (Variable)
10

Annual Fee

Annual fee credit cards require a yearly payment for membership. They offer enhanced rewards, benefits, and services in exchange for the fee. They cater to individuals seeking premium perks.

For more information see our Annual fee score explanation here.
$0
8

Welcome Bonus

Welcome bonus credit cards offer a one-time reward. This could be bonus points, cashback, or statement credits. You get the reward by meeting spending goals. You must do so within a set time after opening the account. The rewards entice new cardholders with immediate benefits.

For more information see our Welcome bonus score explanation here.
Earn $50 Cash Back when you spend $100 in the first three months
8

Rewards

Credit card rewards programs let cardholders earn points, miles, or cashback on purchases. They can redeem these rewards for things like travel, merchandise, gift cards, or credits. This gives extra value for using the card.

For more information see our rewards programs score explanation here.
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases.
8.8

Benefits

Credit card benefits include perks and features from card issuers. They include travel insurance, purchase protection, and extended warranties. You also get airport lounge access and concierge services. They add value and usefulness for cardholders.

For more information see our benefits score explanation here.
No annual fee, International use, Entertainment
8.5

Recommended Credit Score

The recommended credit score is the minimum score recommended by the card issuer. It's for potential cardholders to qualify for a specific credit card. Meeting or beating this score boosts the chance of approval. It also gives access to the card's benefits and features.

For more information see our Recommended credit score Rating explanation here.
630 - 689 (Poor - Fair)
10

Foreign Transaction Fee

Card issuers impose foreign transaction fees. They apply to transactions in a foreign currency or with a foreign merchant. The fees are usually 1% to 3% of the transaction amount. They may apply to purchases, withdrawals, or transfers made in a foreign currency. This raises the cost of international transactions.

For more information see our foreign transaction fees score explanation here.
None
9.7

Cash Advance Fee

Each time you use your credit card for a cash advance or ATM withdrawal, the bank applies a 'Cash Advance Fee'.

For example, a Cash Advance Fee of "3% (min $10)" means the fee will be 3% of the cash advance amount, with a minimum charge of $10.

For more information see our cash advance fee score explanation here.
5% (min $5)
9.5

Balance Transfer Fee

A balance transfer fee may apply when you transfer a balance from 'Credit Card A' to 'Credit Card B'.

This fee is imposed by the credit card that gets your transferred balance. In this case, that card is 'Credit Card B.' 'Credit Card A' never charges a fee.

For more information see our balance transfer fees score explanation here.
0% first 15 months
How we rating & score here.

Best for

Discover the best credit card for your needs. Are you a student, rewards enthusiast, or cash back lover? Find the perfect fit with our thorough reviews and comparisons.
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • Entertainment

Considerations

Consider key factors when choosing a credit card. These include interest rates, fees, rewards programs, and more. Make an informed decision to find the right card for your financial needs.
  • Interest Rates
  • Rewards Program (Cashback, Points, Miles)
  • Credit Score Requirements
  • Spending Categories (Groceries, Dining, Travel, etc.)

Pros

Using a credit card has many pros. These include convenience, rewards, and building credit. They also include purchase protection and fraud security. You also get access to emergency funds and introductory offers. They help with budgeting and spending tracking. They also offer travel benefits and cash flow management. Plus, rental car insurance, extended warranties, and price protection. And online shopping security and opportunities for financial discipline.
  • 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

Cons

Using a credit card has cons. These include potential overspending, high interest rates, and fees such as annual fees and late payment fees. It can also hurt your credit score if used irresponsibly. Using a credit card can tempt you to carry a balance and incur interest charges. It also risks identity theft and fraud. It can lead to debt and reliance on credit for financial needs. And, it has limits on rewards and benefits compared to other forms of payment.
  • 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.
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See our full methodology

In This Review

9.1

Review: Capital One SavorOne Student Cash Rewards Card

Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.

For more information see our credit card score explanation here.

At MyCreditCardLab, we put each card to the score.

We score Capital One SavorOne Student Cash Rewards Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:

Credit Cards Review Rating
Intro APR Exceptional
Regular APR Very Good
Annual Fee Exceptional
Welcome Bonus Good
Rewards Good
Benefits Very Good
Recommended Credit Score Very Good
Foreign Transaction Fee Exceptional
Cash Advance Fee Excellent
Balance Transfer Fee Excellent

Who can apply for Capital One SavorOne Student Cash Rewards Card?

We have categorized Capital One SavorOne Student Cash Rewards Card 4 main useful user criteria. it's applied using the MyCreditCardcLab methodology.

10

Capital One SavorOne Student Cash Rewards Card Annual Fee

Card type: Student Credit Cards

Issuer Name: Capital One

No annual fee

Experience premium perks with the Capital One SavorOne Student Cash Rewards credit card, offering a $0 annual fee and personalized rewards designed to enhance your spending while aligning with your financial goals.

8

Welcome Bonus

The Capital One SavorOne Student Credit Card offers a simple welcome bonus. You can earn a $50 cash bonus after spending $100 on purchases within the first 3 months of account opening.

A $100 spending limit is easy in the first 3 months. Students spend money on food, mobile and internet recharge, entertainment etc.

This is a great incentive for students. They are looking to earn some extra cash while building their credit history well.

10

APRs: Capital One SavorOne Student Cash Rewards Card

Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.

The table below shows the types of each APR brief description for the Capital One SavorOne Student Cash Rewards Card.

Type of APR Rating
Intro APR - 0% on Purchases and Balance Transfers for 15 months 10/10Exceptional
Regular APR - APR: 19.99%-29.99% Variable APR, Cash Advance APR: 29.99%, Variable 8.5/10Very Good
Purchase - 19.99% - 29.99% (Variable) 8.7/10Very Good
Balance transfer - 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99% - 29.99% Variable APR 9.5/10Excellent
Cash advance - 5% of the amount of the cash advance, but not less than $5 9.7/10Excellent
Penalty - Late Payment: Up to $40 9/10Very Good
8.8

Capital One SavorOne Student Cash Rewards Card Benefits

Discover the many benefits of our credit cards. They include cash back and travel perks, as well as purchase protection and fraud prevention. Explore our cards today and unlock a world of convenience and value.

Certainly! Here's a table. It shows the benefits of the Capital One SavorOne Student Cash Rewards credit card:

Benefits Score
Generous Cash Back Rewards

Earn unlimited cash back on every purchase. Earn bonus rewards. They are for popular categories like dining, entertainment, and groceries.

8.1/10Good
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.

10/10Exceptional
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.

8.9/10Very Good
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.

8.5/10Very Good
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.

9.6/10Excellent
8

Capital One SavorOne Student Cash Rewards Card 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

Capital One SavorOne Student Cash Card Rewards Potential

Category Estimated Annual Spend Cash Back Rate Annual Earnings
Dining $2,000 3% $60
Entertainment $1,000 3% $30
Groceries $3,000 2% $60
Other Purchases $6,000 1% $60
Total $12,000 $210
Pro Tip
Maximize your Capital One SavorOne Student Card benefits by utilizing bonus categories, paying your balance in full, setting up automatic payments, monitoring your credit, redeeming cash back wisely, utilising introductory APR, avoiding foreign transaction fees, using mobile app features, staying mindful of due dates, and utilize fraud protection.
8.5

Recommended Credit Score

Credit Score : 630 - 689 (Poor - Fair)

We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.

For more information see our FICO Recommended credit score Rating explanation here.

The Capital One SavorOne Student Cash Rewards Card recommends a credit score of 630 (Poor) to 689 (Fair). That range is from Fair to Exceptional. This range ensures eligibility for tailored benefits and rewards. It aligns with your credit profile and financial needs. Apply now to access exclusive perks designed to enhance your credit card experience.

Compare The Capital One SavorOne Student Cash Rewards Card vs. Other Popular Cards

Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.

You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Capital One SavorOne Student Cash Rewards Card Capital One SavorOne Student Cash Rewards Card Bank of America<sup>®</sup> Customized Cash Rewards Card Bank of America® Customized Cash Rewards Card Discover it<sup>®</sup> Student Cash Back Card Discover it® Student Cash Back Card
9.1MyCreditCardLab
Score
8.7MyCreditCardLab
Score

MyCreditCardLab Score 8.7

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
9.5
Regular APR
7
Rewards
7.8
Benefits
9
Welcome Bonus
10
Recommended Credit Score: 8
Foreign Transaction Fee: 8
Cash Advance Fee: 8.6
Balance Transfer Fee: 9.4
9.0MyCreditCardLab
Score

MyCreditCardLab Score 9.0

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
Rewards
8.8
Benefits
8
Welcome Bonus
8.5
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 9.5
Balance Transfer Fee: 8.2
ANNUAL FEE
$0 $0 $0
INTRO APR
0% intro APR for 15 months 0% first 15 billing cycles 0% intro APR for 6 months
REGULAR APR
19.99% - 29.99% (Variable) 18.24% - 28.24% Variable APR 18.24% - 27.24% Variable APR
WELCOME BONUS
Earn $50 Cash Back when you spend $100 in the first three months $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Discover will match all cash back earned at the end of your first year with the card.
REWARDS
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases. choose the category that earns 3% for eligible spending. 5% cash back on rotating quarterly bonus categories
BENEFITS
No annual fee, International use, Entertainment $0 liability guarantee for fraudulent transactions, Paperless statement, Digital wallet Choice of card designs, Text and email alerts
CASH ADVANCE FEE / APR
5% (min $5) / 5% 3% (min $10) / 3% 5% (min $10) / 18.24% - 27.24% Variable
BALANCE TRANSFER FEE
0% APR on Balance Transfers for 15 months, and then 19.99% - 29.99% Variable APR 3% for 60 days from account opening, then 4% 10.99% APR on Balance Transfers for 6 months, and then 18.24%-27.24% Variable APR
RECOMMENDED CREDIT SCORE
630 - 689 (Poor - Fair) 690 - 850 (Fair - Exceptional) 630 - 689 (Poor - Fair)
FOREIGN TRANSACTION FEE
None 3% None
BEST FOR
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • Entertainment
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • U.S. Supermarket Spending
  • Cash Back Seekers
  • Students
  • Bad Credit
  • U.S. Supermarket Spending
More Details Compare More Details Compare

Capital one Login

Follow these easy steps:

Step 1. Go to the Login Capital One page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Capital one Login then see forgot your username and password option.

Frequently Asked Questions (FAQs)

Still have questions? Check out some of the top FAQs on the Capital One SavorOne Student Cash Rewards credit card below and get the answers you're looking for.

What is the welcome bonus offer?

Earn a $50 cash back bonus after spending $100 on purchases within the first 3 months of account opening.

Are there any annual fees?

No, there is no annual fee for the Capital One SavorOne Student Credit Card.

What are the bonus cash back categories?

The card offers bonus cash back on dining, entertainment, and grocery store purchases.

Is there an introductory APR period?

Yes, the card offers a 0% introductory APR on purchases for first 15 months.

Are there any foreign transaction fees?

No, there are no foreign transaction fees associated with the Capital One SavorOne Student Credit Card.

About Aedam Jo

Aedam Jo is the Founder and Editor-in-Chief of MyCreditCardLab.com. Khunt has scored over 50+ Credit Cards himself. He has also written hundreds of reviews about their benefits, rewards, and fees. You may want cash-back rewards, travel perks, or low APRs. Aedam Jo Credit Card Reviews is here to guide you. We'll guide you through the complex world of credit cards clearly and confidently.

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