Capital One SavorOne Student
Capital One · Student review
Students who spend on dining out, entertainment, streaming, and groceries and want consistent category rewards with no a
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
Variable APR — verify current range at capitalone.com
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of July 8, 2026
Best for
Students who spend on dining out, entertainment, streaming, and groceries and want consistent category rewards with no activation — 3% on those categories and 1% elsewhere, at a $0 annual fee and no foreign transaction fee, accessible to limited-credit applicants.
Not for
Students whose spend doesn't concentrate in dining/entertainment (a flat-rate or rotating-category card may return more) and warehouse-club grocery shoppers, since the 3% grocery rate excludes superstores.
The catch
The earning structure mirrors the adult Capital One Savor line, but the point of a student card is the credit history it builds — pay in full, and the 3% dining rewards are a bonus on top of the real return: a solid FICO score by graduation.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- Variable APR — verify current range at capitalone.com
- Foreign transaction fee
- None
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Does the Capital One SavorOne Student charge an annual fee?
No. The Capital One SavorOne Student carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Capital One SavorOne Student charge?
Variable APR — verify current range at capitalone.com. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Capital One SavorOne Student charge foreign transaction fees?
No. The Capital One SavorOne Student has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Capital One SavorOne Student best for?
Students who spend on dining out, entertainment, streaming, and groceries and want consistent category rewards with no activation — 3% on those categories and 1% elsewhere, at a $0 annual fee and no foreign transaction fee, accessible to limited-credit applicants.
Who should skip the Capital One SavorOne Student?
Students whose spend doesn't concentrate in dining/entertainment (a flat-rate or rotating-category card may return more) and warehouse-club grocery shoppers, since the 3% grocery rate excludes superstores.
How did ClearValue score the Capital One SavorOne Student?
Capital One SavorOne Student scored 87/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Capital One SavorOne Student
Other student cards we've scored, ranked by our methodology.
- DiscoverSolid pick
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- Bank of AmericaSolid pick
Bank of America Travel Rewards for Students
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