A complete look at the Savor Student Card — how it rewards your spending, builds your credit, and supports financial growth from day one.
Luana Ribeiro · June 10, 2025 · 3 minutes
The Capital One Savor Student Cash Rewards Credit Card is a strong contender for the best student card on the market.
With unlimited 3% cash back in lifestyle categories and no annual fee, it combines generous rewards with helpful credit-building tools.
New users get a $50 bonus after spending just $100 in the first 3 months — a low hurdle that's easy to reach even for students with minimal spending.
The 3% cash back applies to common student spending categories: restaurants, entertainment (movies, concerts, events), streaming platforms like Netflix and Spotify, and grocery stores (except Walmart and Target). All other purchases earn 1% back.
Rewards can be redeemed for statement credits, checks, gift cards, or directly at checkout via Amazon and PayPal — with no minimum redemption threshold.
There are no foreign transaction fees, making it a solid choice for international students or anyone traveling abroad.
In terms of security, cardholders benefit from $0 fraud liability, access to virtual card numbers, extended warranty coverage, and purchase protection for eligible items.
Students are automatically considered for a higher credit line after six months of responsible use, and the Capital One mobile app helps track spending, set alerts, and monitor credit score progress with CreditWise®.
The main drawback is the relatively high variable APR (usually around 19–29%), and the card doesn’t offer a 0% intro APR — so it's important to pay your balance in full monthly to avoid interest.
Overall, the Savor Student card is a fantastic option for students who want real rewards, flexibility, and a chance to grow their financial confidence early.
Luana Ribeiro
I'm Luana Ribeiro, a 24-year-old from São Paulo, Brazil. I have a degree in Psychology, but I currently work as a writer and head of content at Cashflowlr. My job is to turn ideas into engaging, clear, and relevant content. I specialize in strategic communication, copywriting, and SEO. I’m skilled at adapting language to different audiences and niches, always aiming to create value and connection through words. Organized and passionate about writing, I continue to grow in the content field, constantly learning and crafting texts that inform, inspire, and communicate with purpose and authenticity.