Savor Rewards for Students: 3% Cashback on Dining, Groceries, and Entertainment
For a limited time, earn a $100 bonus after spending $300 in the first three months. Earn 3% cashback on dining, entertainment, grocery stores, and popular streaming services – with no annual fee and simple, everyday rewards.
The Bottom Line
On Capital One's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.49% - 28.49% Variable APR
Credit Score
New To Credit
Rewards Earn 3% cashback on grocery stores, dining, entertainment, and select streaming services. Additionally, earn 8% cashback on Capital One entertainment purchases and 5% cashback when you book hotels, vacation rentals, and rental cars through Capital One Travel. Plus, 1% cashback on all other purchases.
1% - 8% Cashback
Welcome Offer Earn a $100 bonus after spending $300 in the first 3 months.
$100
Exclusively for Students: This card is designed for students enrolled at a four-year university, community college, or another higher education institution.
Pros and Cons
Pros:
- Unlimited 3% cashback bonus categories
- No annual fee
- No foreign transaction fees
- $100 sign-up bonus
- Extended warranty coverage
- Rewards don’t expire
- No minimum redemption amount required
Cons:
- Potential for high APR
- Base earnings rate is just 1%
- No introductory 0% APR
Welcome Offer
Limited-Time Offer: Earn a $100 bonus after spending $300 in the first 3 months.
Rewards
- 3% Cashback Categories:
- Grocery Stores
- Dining
- Entertainment
- Select Streaming Services
- 8% Cashback on Capital One Entertainment purchases.
- 5% Cashback on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- 1% Cashback on all other purchases.
Big4credit Tip: Use this card primarily for bonus-category purchases. For everyday spending outside those categories, a flat-rate cashback card may earn more rewards.
Redemption Options
- Flexible Redemption: Redeem rewards for cash, gift cards, travel, experiences, purchases at Amazon.com, PayPal checkout, and more.
Fees and APR
- Annual Fee: $0.
- Regular APR: 18.49%, 24.49%, or 28.49% Variable APR.
- Balance Transfer Fees: A 4% fee applies to balance transfers made at a promotional APR. No balance transfer fee applies to balances transferred at the standard Transfer APR.
- Foreign Transaction Fee: None.
Travel Benefits
- Flight Price Drop Protection: If a flight price drops within 10 days of booking through Capital One Travel, you may receive up to $50 in travel credit.
- Price Match Guarantee: Eligible bookings through Capital One Travel can be price-matched if a lower price is found.
Travel Protections
- Travel Accident Insurance: Get automatic insurance for covered losses at no extra cost when you use your card to purchase your fare.
Travel & Emergency Assistance
- Emergency Card Services: 24/7 assistance for emergency card replacement and cash advances if your card is lost or stolen.
Purchase Protections
- Extended Warranty: Get extra warranty protection at no cost on eligible items you purchase with your card.
Lifestyle Perks
- Concierge Service: Get 24/7 concierge assistance for dining, entertainment, and travel requests.
Convenience Features
- Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
- Automatic Credit Line Reviews: Eligible accounts may be periodically reviewed for credit line increases based on eligibility and account history.
Nice Extras
- Capital One Travel: Integrated travel booking portal with price prediction tools.
- Entertainment Access: Capital One Entertainment® (presale ticket access and occasional exclusive events).
- Capital One Dining: Access to select restaurant reservations and curated dining experiences.
- Capital One Café Perk: 50% off handcrafted drinks at Capital One Café locations.
Shopping & Savings
- Capital One Shopping: An online shopping tool that automatically applies available coupon codes to help you save at checkout.
- Capital One Offers: Targeted merchant offers that may provide statement credits or bonus rewards on qualifying purchases. Offers vary by card and availability.
» MORE: Capital One Shopping Offers: Real Experience – What Works and What Doesn’t
Additional Features
- Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
- CreditWise by Capital One: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
Ratings
- Net Value & Cost Efficiency: 6.7/10
- Rewards & Earnings Power: 9.3/10
- Welcome Bonus Value: 4/10
- APR & Interest Structure: 4/10
- Simplicity & Transparency: 9.7/10
- Perks, Benefits & Protections: 3.6/10
- Issuer Credibility & Stability: 7.6/10
- Installment & BNPL Features: 0/10
- Eligibility & Approval Accessibility: 9.5/10
Terms and Conditions
Click Apply Now to see the terms and conditions.
Related Card Options
- Savor Rewards: A better fit for non-students with established credit who want elevated cashback on dining, entertainment, and groceries, plus access to a higher sign-up bonus and additional benefits.
EarnSmart Rewards Strategy
- Discover it® Student: Earn 5% cashback on rotating quarterly categories (activation required), adding high-reward opportunities across categories like Amazon, groceries, gas, or PayPal purchases.
- Quicksilver® Rewards for Students: Earn unlimited 1.5% cashback on all purchases, covering purchases outside of Savor Rewards bonus categories.
Capital One 360 Checking
Capital One bank accounts pair well with the Savor Rewards credit card for users who prefer to keep their banking and rewards setup within the same ecosystem. Capital One offers a simple, fee-free checking option that complements its credit card products.
- Capital One 360 Checking is a popular no-fee checking account with no monthly maintenance fees and no minimum balance requirements. It now offers a $300 welcome bonus with qualifying direct deposits for new customers.
Capital One credit card customer service: 1-800-227-4825