Capital One
Capital One Savor Student
Capital One Savor Student costs No annual fee and earns up to 3× on dining. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Capital One Savor Student returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 3× dining
- Points value
- 1¢ a point
- Cash back value.
- Welcome bonus
- $50
- Foreign transaction fee
- none
What the Capital One Savor Student earns
Dining
3×
U.S. supermarkets
3×
Streaming
3×
| Category | Rate | Conditions |
|---|---|---|
| Dining | 3× | |
| U.S. supermarkets | 3× | |
| Streaming | 3× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Capital One Savor Student right for you?
Enter a typical month. You will see what the Capital One Savor Student returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Chase Freedom Unlimited Top for your numbers
3× dining, 3× drugstores; 1× everything else. No annual fee.
Rewards $459 · No annual fee
+$459
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
+$376
How we estimate
- Every rate on this page comes from the card catalog. Capital One Savor Student pays 1× on spending outside the bonus categories listed above, and up to 3× on dining.
- We value this card's points at 1¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"capital-one-savor-student","name":"Capital One Savor Student","fee":0,"cpp":0.01,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["groceries"],"rate":3},{"inputs":["streaming"],"rate":3}]},{"key":"capital-one-savor","name":"Capital One Savor","fee":0,"cpp":0.01,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["groceries"],"rate":3},{"inputs":["streaming"],"rate":3}]},{"key":"chase-freedom-rise","name":"Chase Freedom Rise","fee":0,"cpp":0.01,"base":1.5,"credits":25},{"key":"chase-freedom-unlimited","name":"Chase Freedom Unlimited","fee":0,"cpp":0.01,"base":1.5,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["drugstores"],"rate":3}],"credits":40}]}What comes with it
Welcome bonus
$50
Points and partners
Cash Back
No
Where this data came from
Checked capitalone.com 2026-10-05. Earn: 3% cash back at grocery stores, on dining, on entertainment and on popular streaming services; 1% on all other purchases. Annual fee $0. Welcome offer is a one-time $50 cash bonus after spending $100 on purchases within 3 months of account opening. Unlike the $95 Savor card, the Savor Student product page shows no Capital One Travel bonus. Unverified: the foreign transaction fee. The page carries no explicit no-foreign-transaction-fee statement for this card, so ForeignTransactionFee is null on the basis of Capital One's published policy that it does not charge foreign transaction fees, not on a card-specific disclosure. CentPerPoint is 1.0 because this is a cash back card rather than a points card.
FAQ
The Capital One Savor Student has no annual fee, so the only thing that matters is what it earns. Its best rate is 3× on dining.
3× on dining, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $0 means about $0 a month on dining, where it earns 2¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is $50, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply.
No. The Capital One Savor Student earns Cash Back that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 1¢ a point.
No. The Capital One Savor Student charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.