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Soon-to-be college graduates with the Capital One SavorOne Student Card can upgrade to the SavorOne Cash Rewards Card after earning their diploma.
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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 request an upgrade to the regular Capital One SavorOne Student Cash Rewards Credit Card which is usually only available to folks with at least good credit.
Read Insider’s guide to the best credit cards for recent college graduates
Finding a decent credit card as a college student with limited or fair credit (a FICO score between 580 and 669) can be discouraging. But if you’re currently enrolled in a college or university, and about to graduate, there’s a trick you can use to get approved for a better card faster.
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.
Plus, upon passing your graduation date, the Capital One SavorOne Student Cash Rewards Credit Card can be converted into the regular Capital One SavorOne Cash Rewards Credit Card — a card typically only available to those with a good to excellent credit score (FICO score of at least 670).
So even if you have limited credit (like many college graduates do), the Capital One SavorOne Cash Rewards Credit Card could be the shortcut 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 Capital One SavorOne Student Cash Rewards Credit 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 Capital One SavorOne Student Cash Rewards Credit Card.
Finding a no-annual-fee rewards card that offers multiple valuable cash-back categories can be hard. But the Capital One SavorOne Student Cash Rewards Credit Card offers excellent reward rates:
SavorOne Student Card cash back categories
10% back with Uber and Uber Eats (through November 14, 2024)8% back on Capital One Entertainment purchases5% back on hotels and car rentals booked through Capital One Travel3% back on entertainment, dining, groceries (not including Walmart and Target), and select streaming services1% back on all other purchases
SavorOne Student Cash Card perks
If you value your perks as much as your rewards, the Capital One SavorOne Student Cash Rewards Credit Card is certainly a win. The best perk by far is the limited-time, free 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, travel accident insurance, concierge services, and theft monitoring.
Upgrade to the regular version of the card after graduation
The Capital One SavorOne Cash Rewards Credit Card is typically only available to folks with good to excellent credit, but if you own the student version while in school, you should be able to upgrade to the regular version of the card after you graduate.
There’s good and bad news for the Capital One SavorOne Cash Rewards Credit 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 cash back categories
10% back with Uber and Uber Eats (through November 14, 2024)8% back on Capital One Entertainment purchases5% back on hotels and car rentals booked through Capital One Travel3% back on entertainment, dining, groceries (not including Walmart and Target), and select streaming services1% back on all other purchases
You also won’t be able to earn the Capital One SavorOne Cash Rewards Credit Card welcome bonus (Capital One SavorOne Cash Rewards Credit Card), since upgrading a credit card is different from applying for a new one.
SavorOne Cash Rewards Card benefits
If you loved your complimentary Uber One membership, the Capital One SavorOne Cash Rewards Credit Card has got you covered. After converting to 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, travel accident insurance, 24-hour travel assistance service, event access, $0 fraud liability, 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 later request an upgrade to the Capital One Quicksilver Cash Rewards Credit Card after graduation.
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
Capital One SavorOne Student Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
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
Capital One SavorOne Student Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit CardBenefits
Complimentary Uber One membership (through November 14, 2024)
Price protection
Extended warranty
Car rental coverage
Roadside dispatch
Travel accident insurance
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
Travel accident insurance
24-hour travel assistance service
Complimentary concierge services
Event access
Account and security alerts
$0 fraud liability
Virtual card numbers
Card lock
Capital One SavorOne Cash Rewards Credit Card (then aCapital One SavorOne Cash Rewards Credit Card APR)
ReviewSavorOne Student Card review
SavorOne Cash Rewards 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 CardAnnual fee
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit CardRecommended credit
Average, fair, limited
Good to excellentReward 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
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit CardBenefits
Price protection
Extended warranty
Car rental coverage
Roadside dispatch
Travel accident insurance
Complimentary concierge services
Free credit monitoring with CreditWise from Capital One
Complimentary Uber One membership (through November 14, 2024)
Extended warranty
Travel accident insurance
Travel assistance services
Up to six months of complimentary Uber One membership statement credits (through November 14, 2024)
Capital One Quicksilver Cash Rewards Credit Card (then a Capital One Quicksilver Cash Rewards Credit Card APR)
Review
Quicksilver Student Rewards review