MastercardCapital One Savor Student Cash Rewards
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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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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