Capital One Savor Student Cash Rewards
By Alex Compton · Last verified
3% on the categories that define a college budget.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
No
credit or limited history (Student)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $100 | $300 in 3 mo | Bonus increased: $50 → $100 · Spend: $100 → $300Limited-time $100 cash bonus, doubled from the usual $50 | Archive record · no attached snapshot |
| 2025-01 | $50 | $100 in 3 mo | Terms reconfirmed$50 cash bonus | Archive record · no attached snapshot |
| 2023-01 | $50 | $100 in 3 mo | Earliest record$50 cash bonus | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xDining, entertainment, popular streaming, grocery stores
- 8xCapital One Entertainment purchases
- 5xHotels and rental cars via Capital One Travel
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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