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- Student credit cards are usually easier to get approved for, because they're geared to those with limited or average credit.
- The Capital One SavorOne Student Cash Rewards Credit Card is a terrific card for soon-to-be college graduates who spend a lot on dining, streaming, and Uber purchases.
- After graduation, you can continue using the student version or apply to also have the regular SavorOne Cash Rewards Card.
- Read Insider's guide to the best starter credit cards.
Finding a decent credit card as a college student with limited or fair credit (specified by FICO as a score between 580 and 669) can be discouraging. But if you're currently enrolled in a college or university, and about to graduate, you could continue using your student credit card after graduation.
Soon-to-be college graduates with a limited credit history may want to consider getting the Capital One SavorOne Student Cash Rewards Credit Card. With no annual fee and multiple bonus spending categories like dining, streaming, and Uber, the Capital One SavorOne Student Cash Rewards Credit Card is an easy card to love.
Although you're graduating, your Capital One SavorOne Student Cash Rewards Credit Card stays with you with all the rewards and benefits of the non-student SavorOne Cash Rewards Card. You'll still keep all the same rewards and benefits.
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Chase Sapphire Preferred® Card -
Capital One SavorOne Cash Rewards Credit Card
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Wells Fargo Active Cash® Card
So even if you have limited credit (like many college graduates do), the Capital One SavorOne Student Cash Rewards Credit Card could be the card you've been looking for.
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Cards like the Capital One SavorOne Student card are a great stepping stone
The SavorOne Student Cash Rewards Card is one of Insider's top card picks for students looking to earn cash back in student-friendly categories like rideshares, dining, streaming, and grocery store purchases.
It doesn't offer a 0% intro APR on purchases or balance transfers. However, cardholders can earn a $50 cash bonus once you spend $100 on purchases within 3 months of account opening.
Finding a no-annual-fee rewards card that offers multiple valuable cash-back categories can be hard. But the SavorOne Student Cash Rewards Card offers excellent reward rates:
SavorOne Student Cash Card perks
If you value your perks as much as your rewards, the SavorOne Student Cash Rewards Card is certainly a win. The best perk by far is the limited-time, complimentary Uber One membership through November 14, 2024, which normally costs $9.99 per month. With this perk, cardholders get:
- Unlimited $0 delivery fees on eligible food, groceries, and other Uber Eats orders (order must be at least $15 from non-grocery stores, and at least $30 from grocery stores)
- Up to 10% off eligible orders with Uber Eats (grocery orders do not qualify)
- Up to 5% off eligible rides with Uber (shared rides or rides booked 30 minutes or more in advance do not qualify)
- Access to exclusive member-only perks and promotions
The card also gets you access to Capital One Travel, Capital One Entertainment, and Capital One Dining for exclusive experiences, features, and even price match guarantee and hard-to-get reservations at high-end restaurants.
Other useful perks you'll get include price protection, extended warranty, car rental coverage, roadside dispatch, concierge services, and theft monitoring.
Continue using the student version or apply for the SavorOne Cash Rewards card after graduation
The SavorOne Cash Rewards Card is typically only available to folks with good to excellent credit, but if you own the student version while in school, you can continue using it after you graduate without taking any action. You can also apply for the SavorOne Cash Rewards Card to have in addition to your student version.
There's good and bad news for the SavorOne Cash Rewards Card bonus categories. The upside is that those who loved the student version of the card get to keep the same diverse selection of bonus spending categories. But the downside is that the reward rates don't get any higher.
SavorOne Cash Rewards Card benefits
If you loved your complimentary Uber One membership, the SavorOne Cash Rewards Card has got you covered. After graduating and keeping the student version or applying for the regular version of the card, you'll still earn 10% cash back on eligible Uber and Uber Eats purchases, plus all the benefits of the membership (offer ends November 14, 2024).
You'll also get decent perks like extended warranty, 24-hour travel assistance service, event access, $0 fraud liability for unauthorized charges, and more.
Another option: Quicksilver Student Card and Quicksilver Cash Rewards Card
If you don't want to be tied down to specific bonus spending categories, and would prefer to earn flat-rate rewards on your purchases, you could consider the Capital One Quicksilver Student Cash Rewards Credit Card and the Capital One Quicksilver Cash Rewards Credit Card. The same methodology used on the SavorOne cards can be applied here: current students with fair credit can apply for the Capital One Quicksilver Student Cash Rewards Credit Card and continue using it after graduation or apply for the Quicksilver Cash Rewards Card.
Both Quicksilver Rewards cards are no-annual-fee credit cards that earn 5% back on hotels and rental cars booked through Capital One Travel, and 1.5% back on all other purchases. However, only the student version earns 10% back with Uber and Uber Eats (through November 14, 2024).
Compare: SavorOne Student vs SavorOne Cash Rewards
Capital One SavorOne Student Cash Rewards Credit Card | Capital One SavorOne Cash Rewards Credit Card | |
| Annual fee | $0 | $0 |
| Recommended credit | Average, fair, limited | Good to excellent |
| Reward rates | 10% back with Uber and Uber Eats (through November 14, 2024) 8% back on Capital One Entertainment purchases 5% back on hotels and car rentals booked through Capital One Travel 3% back on entertainment, dining, groceries (not including Walmart and Target), and select streaming services 1% back on all other purchases | 10% back with Uber and Uber Eats (through November 14, 2024) 8% back on Capital One Entertainment purchases 5% back on hotels and car rentals booked through Capital One Travel 3% back on entertainment, dining, groceries (not including Walmart and Target), and select streaming services 1% back on all other purchases |
| Welcome bonus | $50 cash bonus once you spend $100 on purchases within 3 months of account opening | $200 cash back after you spend $500 on purchases within three months from account opening |
| Benefits | Complimentary Uber One membership (through November 14, 2024) Price protection Extended warranty Car rental coverage Roadside dispatch Complimentary concierge services Free credit monitoring with CreditWise from Capital One No foreign transaction fee | Complimentary Uber One membership (through November 14, 2024) Extended warranty 24-hour travel assistance service Complimentary concierge services Event access Account and security alerts $0 fraud liability for unauthorized charges Virtual card numbers Card lock 0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months) (then a 19.99% - 29.99% Variable APR) |
| Review | SavorOne Student Card review |
Compare: Quicksilver Student Card vs Quicksilver Cash Rewards Card
Capital One Quicksilver Student Cash Rewards Credit Card | Capital One Quicksilver Cash Rewards Credit Card | |
| Annual fee | $0 | $0 |
| Recommended credit | Average, fair, limited | Good to excellent |
| Reward rates | 10% cash back on Uber and Uber Eats purchases through November 14, 2024 5% cash back on hotels and rental cars booked through Capital One Travel 1.5% cash back on all purchases |
5% cash back on hotels and rental cars booked through Capital One Travel 1.5% cash back on all purchases |
Welcome bonus | $50 cash bonus once you spend $100 on purchases within 3 months of account opening | one-time $200 cash bonus once you spend $500 on purchases within three months of account opening |
| Benefits | Price protection Extended warranty Car rental coverage Roadside dispatch Complimentary concierge services Free credit monitoring with CreditWise from Capital One Complimentary Uber One membership (through November 14, 2024) | Extended warranty Travel assistance services Up to six months of complimentary Uber One membership statement credits (through November 14, 2024) 0% intro APR on purchases and balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months) (then a 19.99% - 29.99% Variable APR) |
| Review | Quicksilver Rewards review |
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply