Already Spending on Food, Streaming, and Groceries? Get Cash Back for It
If dining out, streaming, and groceries already make up a big part of your budget, a flat-rate card leaves money on the table.
The Capital One Savor Student Cash Rewards turns that exact spending into 3% cash back, without requiring credit you might not have built yet.
Check before you apply, not after
You can see if you’re likely to qualify before submitting anything.
That pre-check uses a soft inquiry, so it won’t affect your credit score.
What this card actually costs
| Annual fee | $0 |
| Regular APR | 18.49% – 28.49% variable |
| Credit score needed | Little to no credit, or fair credit (roughly 650–700) |
| Foreign transaction fee | $0 |
| Reports to bureaus | Equifax, Experian, TransUnion |
It earns 3% cash back on dining, entertainment, popular streaming services, and grocery stores, and 1% on everything else.
One detail worth knowing: grocery cash back doesn’t apply at superstores like Walmart or Target. Those purchases earn the base 1% instead.
See more card optionsWhat that actually looks like on real spending
| If you spend this per month | You could earn |
|---|---|
| $150 on dining | $4.50/month, $54/year |
| $50 on streaming | $1.50/month, $18/year |
| $200 on groceries (not superstores) | $6.00/month, $72/year |
| $150 on everything else | $1.50/month, $18/year |
That’s about $162 a year in this example. This is an estimate based on the categories above, not a guaranteed amount. Actual rewards depend on your real spending.
How this compares to a regular credit card
| Capital One Savor Student Cash Rewards | Typical card requiring established credit | |
|---|---|---|
| Credit score needed | Little to no credit, or fair credit | Good to excellent (670+) |
| Annual fee | $0 | $0 to $95 |
| Average market APR | 18.49% – 28.49% | 20.97% average across all US cards |
Source for the market average: Federal Reserve, Consumer Credit report (G.19).
One rule to know before you apply
If you’re under 21, federal law requires proof of independent income, or a cosigner over 21.
Most issuers, including Capital One, no longer accept cosigners.
So your own income is usually what decides approval. Leftover scholarship or grant money after tuition counts too.
Is this card actually right for you?
It’s a good fit if:
- Food, streaming, and groceries make up most of your monthly spending.
- You want your everyday purchases to earn something back.
- You have little to no credit, or fair credit already.
It’s probably not the best fit if:
- You have zero credit history and want the simplest approval odds. In that case, check the Discover card on this page instead.
- You’d rather not track which purchases count as a bonus category. In that case, check the Quicksilver card on this page instead.
What this card builds toward
Every on-time payment gets reported to all three credit bureaus.
Your FICO score is built from these factors, in this order of weight:
| Factor | Weight in your score |
|---|---|
| Payment history | 35% |
| Credit utilization | 30% |
| Length of credit history | 15% |
| Credit mix | 10% |
| New credit inquiries | 10% |
Paying on time and keeping your balance low covers 65% of your score on its own.
This content is for informational purposes only and doesn’t replace financial advice. Approval isn’t guaranteed, and terms can change. Confirm current rates directly with Capital One before applying.
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