Capital One Savor Student Cash Rewards
By Alex Compton · Last verified
3% on the categories that define a college budget.
Welcome Bonus
$100
≈$100 value
Spend Requirement
$300
in 3 months
Annual Fee
$0
No FTF
Credit Score
No
credit or limited history (Student)
Current offer note: Limited-time $100 cash bonus, doubled from the usual $50
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 3 tracked offers going back to 2023, nothing has beaten $100.
Current offer
$100
All-time high
$100
Typical offer
$50
In place since
June 2026
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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Earning Rates
- 3xDining, entertainment, popular streaming, grocery stores
- 8xCapital One Entertainment purchases
- 5xHotels and rental cars via Capital One Travel
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Same 3% categories as the regular Savor with no fee
- ✦Approval designed for thin or no credit history
- ✦No foreign transaction fees, useful for study abroad
Why it earns its spot
- +Best earning structure of any student card
- +Keeps its value after graduation, no forced upgrade
Where it costs you
- −Requires proof of enrollment
- −Low starting credit limits
The Compound Verdict
The rare student card that is simply a good card. The 3% categories map exactly onto how students actually spend, and there is no fee and no FTF to outgrow. Most graduates should keep it forever as their dining card.
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