The Capital One Savor Rewards for Students card is designed for students who want to enjoy their favorite activities while earning unlimited cash back. Whether you’re grabbing coffee between classes, going to a concert, or treating yourself to a meal out with friends, this card rewards you for the things you love.
With no annual fee, higher cash back rates on dining, entertainment, and streaming, plus built-in financial management tools, this card is a must-have for students who want financial freedom without missing out on fun. It’s more than a credit card—it’s a smart way to manage spending while earning valuable rewards.
Benefits of the Capital One Savor Rewards for Students
1. Earn 3% Cash Back on Groceries, Dining, Entertainment, and Popular Streaming Services
Every meal out, every movie night, and every binge-worthy streaming session earns 3% cash back. Whether you’re at a grocery store, restaurant, ordering takeout, or subscribing to Netflix or Spotify, you’ll be earning rewards for the things you already enjoy.
2. 1% Cash Back on All Other Purchases
Even when you’re spending on everyday essentials like textbooks, school supplies, or transportation, you’ll still earn 1% cash back—because every dollar spent should bring value back to you.
3. No Annual Fee
There’s zero cost to keep this card in your wallet, making it an easy choice for students who want to build credit and earn rewards without worrying about unnecessary fees.
4. No Foreign Transaction Fees
Studying abroad or traveling during breaks? You won’t have to worry about foreign transaction fees when using your Capital One Savor Rewards for Students card outside the U.S..
5. Instant Card Lock Feature
If you ever misplace your card, you can instantly lock your card through the Capital One mobile app to prevent unauthorized transactions. This extra layer of security ensures peace of mind.
6. Free Credit Monitoring with CreditWise
Building credit as a student is important, and with CreditWise, you can track your credit score, get alerts about changes, and receive tips to improve your financial health—all for free.
7. Contactless Payments & Digital Wallet Compatibility
Use your card instantly with Apple Pay, Google Pay, or Samsung Pay for fast, secure, and contactless transactions at thousands of locations.
8. Automatic Credit Line Reviews
Show responsible credit use, and Capital One may increase your credit limit over time, giving you more financial flexibility as you build your credit history.
9. 24/7 Customer Support
Get access to Capital One’s 24/7 customer service, ensuring that you always have help available—whether it’s about payments, rewards, or security concerns.
10. $0 Fraud Liability
Worried about fraud? With $0 fraud liability, you’re protected from unauthorized charges, so you can spend confidently without fear of financial loss.
11. Customizable Alerts & Spending Notifications
Stay on top of your finances with real-time spending alerts, payment reminders, and account notifications via the Capital One mobile app.
12. No Security Deposit Required
Unlike some student credit cards, you don’t need to put down a deposit to open an account—this is an unsecured credit card, perfect for students looking to build credit without upfront costs.
Who Can Apply?
To qualify for the Capital One Savor Rewards for Students card, you must meet these criteria:
- Age: Must be 18 years or older.
- Residency: Must be a U.S. resident with a valid Social Security Number or ITIN.
- Student Status: Must be a college or university student.
- Credit History: Open to students with limited or fair credit history.
- Income: Must have a source of income, whether from a part-time job, financial aid, or parental support.
How to Apply
- Visit the Capital One Website: Go to the Savor Rewards for Students credit card page.
- Click “Apply Now”: Start the secure online application process.
- Enter Personal Details: Provide your name, address, Social Security Number, and income details.
- Verify Student Status: Enter your college or university information to confirm eligibility.
- Review Terms & Submit: Check your application details, agree to the terms, and submit your application.
- Receive a Decision: Get an instant decision online, or Capital One may request additional documents for verification.
- Activate Your Card: Once approved, activate your card and start earning rewards immediately.
Frequently Asked Questions
Is this a secured credit card?
No, this is an unsecured student credit card, meaning no security deposit is required.
Do I need a co-signer to apply?
No, students can apply on their own without a co-signer.
Does this card help build credit?
Yes, Capital One reports to all three major credit bureaus, helping students establish and improve their credit history.
How do I redeem cashback?
Cashback can be redeemed for statement credits, direct deposits, gift cards, or PayPal purchases.
