RateHerald

Our illustration in the card’s colours, not its design

Capital One credit card

Savor Student Credit Card

  • APR up · 18.49%18.74% · Oct 8, 2026

No annual fee. $50 cash after you spend $100 in 3 months. Purchase APR 18.74–28.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Capital One’s terms

Welcome offer

$50 cash

After you spend $100 on purchases in your first 3 months.

Spending it takes
$33 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

One-time cash bonus for eligible Savor Student primary account holders. The bonus is applied to the rewards balance within two billing cycles after qualification. The offer is available by applying through this page and may not be available after navigating away from or closing the page. Existing or previous cardmembers who received a new cardmember bonus for this product in the past 48 months are not eligible.

  • Smaller than about 95% of the 48 other cash bonuses we track.

Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

“Existing or previous cardmembers are not eligible for this bonus if they have received a new cardmember bonus for this product in the past 48 months.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$265$215
Typical spender$565$515
Heavy spender$1,070$1,020
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 8x 8% cash back on Capital One Entertainment purchases; not counted: 5x 5% cash back on vacation rental bookings; not counted: 5x 5% cash back on hotel bookings.

$215a year

$265 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 8x 8% cash back on Capital One Entertainment purchases.

$515a year

$565 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 5x 5% cash back on vacation rental bookings; not counted: 8x 8% cash back on Capital One Entertainment purchases.

$1,020a year

$1,070 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 5x 5% cash back on hotel bookings; not counted: 5x 5% cash back on vacation rental bookings; not counted: 8x 8% cash back on Capital One Entertainment purchases.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).
  • Worth more to a typical spender than about 100% of the 5 cards on our Student list (see the list).

Other cash back cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Savor Student Rewards

How you earn

8%
8% cash back on Capital One Entertainment purchases
5%
5% cash back on hotel bookings5% cash back on vacation rental bookings5% cash back on rental car bookings
3%
3% at grocery stores3% on dining3% on entertainment3% on popular streaming services
1%
Everything else

Cash back, as a share of each purchase.

Benefits

  • Complimentary personalized concierge assistance in dining, entertainment and travel, 24 hours a day, 365 days a year
  • No foreign transaction fees on purchases outside the United States
  • Travel accident
  • Extended warranty
  • Emergency assistance
All 6 benefits
  • Price protection

Changes

18.49%18.74% since Oct 8Oct 8Today
  • Oct 8, 2026 APR 18.49%18.74%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

Questions

What is the annual fee?
$0 · capitalone.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · capitalone.com, since Oct 11, 2026
What is the purchase APR?
18.74–28.74% APR · capitalone.com, since Oct 8, 2026
Is there a welcome bonus?
$50 cash back after $100 in purchases in 3 months. · capitalone.com, since Sep 29, 2026
See it on capitalone.com

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