Capital One Savor Student Cash Rewards
By Alex Compton · Last verified
3% on the categories that define a college budget.
Welcome Bonus
$50
≈$50 value
Spend Requirement
$100
in 3 months
Annual Fee
$0
No FTF
Credit Score
No
credit or limited history (Student)
Current offer note: One-time $50 cash bonus after $100 in purchases within 3 months; the limited-time $100 offer has ended
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?
Consider waitingThis card has offered $100 before; the current $50 is right at its typical $50. Elevated offers have appeared 1 time in the last two years of our data, so if you can wait, history is on your side.
Current offer
$50
All-time high
$100
Typical offer
$50
In place since
October 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $50 | $100 in 3 mo | Bonus decreased: $100 → $50 · Spend: $300 → $100One-time $50 cash bonus after $100 in purchases within 3 months; the limited-time $100 offer has ended | Capital One Savor Student product page → |
| 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 ledger- changed
Limited-time $100 offer ended; now $50 after $100 in 3 months. 3% grocery/dining/entertainment/streaming and 8% Capital One Entertainment confirmed
Fields: currentOffer
Capital One Savor Student product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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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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