Capital One
Capital One Savor Student Review
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Students who spend on dining, groceries, and entertainment and want no annual fee
Updated for 2026
Overview
The Capital One Savor Student earns strong 3% cash back on dining, groceries, entertainment, and streaming, with no annual fee, and is open to students with limited or no credit. It has no intro APR, so it is best used by students who pay in full each month.
| Annual fee | $0 |
|---|---|
| Regular APR | 18.49%–28.49% variable |
| Welcome bonus | $100 cash bonus after spending $300 on purchases within the first 3 months (limited-time offer) |
| Rewards | 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores), 5% on hotels and rental cars booked through Capital One Travel, 8% on Capital One Entertainment, and 1% on all other purchases |
| Recommended credit | Fair to Limited — students with limited or no credit history |
Pros & cons
Pros
- 3% back on dining, groceries, entertainment, and streaming with no annual fee
- Available to students with limited or no credit history
- $100 welcome bonus for a low $300 spend
Cons
- No 0% intro APR offer and a high ongoing variable APR
- The 3% grocery rate excludes superstores like Walmart and Target
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