Capital One Savor Student Credit Card
Issued by Capital One (Capital One, N.A.) · Mastercard network · Unsecured consumer card
At a glance
The Capital One Savor Student Credit Card is a student consumer credit card issued by Capital One on the Mastercard network. Its current annual fee is $0, with a $0 (no foreign transaction fees) foreign-transaction fee. It is accepting new applications. Terms were last independently verified on 2026-08-30.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Rendered directly on the product page — same range as Quicksilver Student and the adult Savor card.
Capital One — official student card pageverified 2026-08-30
Capital One — official student card pageverified 2026-08-30
Fees
Stated directly on the product page.
Capital One — official student card pageverified 2026-08-30
Stated directly on the product page.
Capital One — official student card pageverified 2026-08-30
Rewards
Capital One — official student card pageverified 2026-08-30
Capital One — official student card pageverified 2026-08-30
Benefits and protections
Advertiser Disclosure: Some links on this page may earn a commission.
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $19.58 | $234.9 |
| $3,000 | $58.73 | $704.7 |
| $5,000 | $97.88 | $1,174.5 |
Paying only the minimum on $3,000
1200 months
About $55,211.11 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$171.19 total cost
$150 upfront fee, plus post-intro interest at 23.49%.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
4.34.3 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Accessibility for thin files | 30% | 4/5 |
| Fees | 25% | 5/5 |
| Rewards value | 20% | 4.5/5 |
| Reports to all three bureaus | 15% | 3.5/5 |
| Terms transparency | 10% | 4/5 |
Methodology 2026.07 · full methodology · No active partner relationship for this card as of 2026-08-24. If one begins, it cannot affect this card's score, category ranking, or buyer-beware tier — see /advertiser-disclosure for the full firewall policy.
The student-exclusive counterpart to Capital One's adult Savor card, with the same strong 3% grocery/dining/entertainment/streaming earning and no annual or foreign-transaction fee. Grocery excludes superstores, and — as with every Capital One card in this corpus — the issuer does not state its own bureau-reporting practice on the page, so that fact stays unverified rather than assumed.
Advantages
- 3% on everyday student categories: groceries, dining, entertainment, streaming
- No annual or foreign-transaction fee, confirmed on the page
- Card continues unchanged after graduation
Watch for
- Grocery 3% excludes superstores like Walmart and Target
- No card-specific statement of bureau-reporting practice
- High APR if a balance is carried
Best for: Enrolled students whose spending concentrates in groceries, dining, entertainment, and streaming.
Credit Defense Hub Editorial Team · reviewed 2026-08-30 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Capital One Savor Student Credit Card?
- It is issued by Capital One on the Mastercard network.
- What does the Capital One Savor Student Credit Card cost?
- The annual fee is $0, and the foreign-transaction fee is $0 (no foreign transaction fees). Verified 2026-08-30. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Capital One Savor Student Credit Card accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Capital One Savor Student Credit Card help build credit?
- Like most major cards, on-time payments and low utilization generally help build history over time; check the issuer’s reporting practices.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-08-30; confirm with the issuer before applying.
What consumers report
No verified consumer reviews yet
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If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page → for Capital One Savor Student Credit Card
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.