Independent comparisons. No active credit card affiliate partnerships. Numbers checked 2026-09-10. How we make money · Data status
Capital One Savor Student Cash Rewards
Published by CreditMango · Mike Kwak · Editorial policy
Best Student Card for Dining & Entertainment
+ Pros
- ✓3% eligible everyday categories
- ✓No foreign transaction fee
- ✓$50 qualifying welcome offer
− Cons
- ✗Only 1% on non-category purchases
- ✗No intro APR
- ✗3% categories don't include gas or transit
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| Dining | 3% | $200/mo | $72 |
| Entertainment & streaming | 3% | $100/mo | $36 |
| Grocery stores | 3% | $150/mo | $54 |
| All other | 1% | $200/mo | $24 |
| Total Estimated Annual Rewards | $186 | ||
Perks & Credits
Grocery stores exclude superstores such as Walmart and Target. Streaming and entertainment eligibility depend on merchant coding and issuer exclusions.
Capital One does not add a foreign transaction fee. Merchant acceptance and currency-conversion choices still matter.
- Problem with a purchase shown on your statement4,201
- Other features, terms, or problems1,725
- Getting a credit card1,338
Source: CFPB Consumer Complaint Database, checked 2026-10-12. These counts cover the issuer, not this specific card, and are not adjusted for customer count. Complaints are not necessarily evidence of wrongdoing.
The current product is Savor Student. Its $50 welcome bonus requires $100 in purchases within three months, subject to eligibility. The purchase APR is 18.49%–28.49% variable, with no annual or foreign transaction fee.
Check category eligibility
The card earns 3% on eligible dining, entertainment, popular streaming and grocery stores; other purchases earn 1%. Superstores such as Walmart and Target are excluded from the grocery category. Not every subscription counts as eligible streaming.
Our comparison assumes the entered dining and grocery purchases qualify. It does not collect entertainment and streaming separately, so those purchases receive only the base rate in the estimate. Your actual merchant mix may produce a different result.
For example, $300 each month in qualifying groceries earns $108 annually at 3%. The same $3,600 in purchases earning 1% returns $36. Both figures exclude interest and fees.
After graduation
The issuer says rewards and benefits continue after graduation. It does not promise an automatic limit increase or future approval for another card.
Source
Checked September 10, 2026: Capital One's Savor Student offer and FAQs. Check the offer attached to your application.
Who This Card Is For
- →Eligible students with dining and grocery spending
- →Students seeking no foreign transaction fee
- →Users who prefer fixed bonus categories
Who Should Skip This Card
- →Students who spend mostly on gas and transit
- →Anyone who prefers a flat-rate card (Chase Freedom Rise is simpler)
- →Rewards optimizers who want 5%+ categories
How It Compares
| Card | Annual Fee | Best Rate |
|---|---|---|
| Capital One Savor Student Cash Rewards (this card) | $0 | 3% |
| Discover it Student Cash BackBest Student Card Overall | $0 | 5% |
| Chase Freedom RiseBest Simple First Card | $0 | 1.5% |
Frequently Asked Questions
Capital One Savor Student Cash Rewards
Best Student Card for Dining & Entertainment
Apply NowSee our affiliate disclosure.
Explore More Cards
Last updated: 2026-09-10