Capital One SavorOne Student Cash Rewards vs. Discover it® Student Cash Back

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Capital One SavorOne Student Cash Rewards Card Capital One SavorOne Student Cash Rewards Card Discover it<sup>®</sup> Student Cash Back Card Discover it® Student Cash Back Card
9.1Lootrs Score

Lootrs Score 9.1

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
10
Regular APR
8.5
Rewards
8
Benefits
8.8
Welcome Bonus
8
Recommended Credit Score: 8.5
Foreign Transaction Fee: 10
Cash Advance Fee: 9.7
Balance Transfer Fee: 9.5
9.0Lootrs Score

Lootrs Score 9.0

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
10
Regular APR
8
Rewards
8.8
Benefits
8
Welcome Bonus
8.5
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 9.5
Balance Transfer Fee: 8.2
ANNUAL FEE
$0 $0
INTRO APR
0% on Purchases and Balance Transfers for 15 months 0% APR on purchases for six months from account opening
REGULAR APR
APR: 19.99%-29.99% Variable APR, Cash Advance APR: 29.99%, Variable 10.99% intro balance transfer APR for six months from date of first qualifying balance transfer, 18.24% to 27.24% ongoing variable APR
PROS
  • No annual fee
  • No foreign transaction fees
  • 3% cash back rewards on dining, entertainment, and groceries.
  • $50 Cash Back when you spend $100 in the first three months.
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • Making it accessible for those with limited or bad credit
  • Earn cash back in bonus categories
  • Take advantage of an introductory APR period
  • Your activity is reported to all three major credit bureaus.
CONS
  • Low base rewards rate
  • May require a good credit score for approval.
  • There’s no introductory APR for new cardholders.
  • Limited rewards categories compared to other cards.
  • New credit users may find the quarterly category rewards system complex
  • The card lacks an introductory APR on balance transfers, which may not be ideal for those looking to consolidate debt.
WELCOME BONUS
Earn $50 Cash Back when you spend $100 in the first three months Discover will match all cash back earned at the end of your first year with the card.
REWARDS
Capital One SavorOne Student Cash Rewards Card Rewards stand out as a remarkably versatile credit currency. You have the flexibility to redeem your earnings in various ways, including:
  • 3% cash back rewards on dining, entertainment, and groceries.
  • 8% Cash back on Capital One Entertainment purchases
  • Earn a generous 10% cash back on Uber and Uber Eats transactions, along with complimentary Uber One membership statement credits until 11/14/2024
Discover it® Student Cash Back Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, including:
  • Enjoy 5% cash back on rotating quarterly bonus categories, up to $1,500 per quarter, with enrollment required.
  • Earn 1% cash back on all other purchases.
  • Plus, receive a cash back match at the end of the first year.
BENEFITS
Generous Cash Back Rewards - Earn unlimited cash back on every purchase. Earn bonus rewards. They are for popular categories like dining, entertainment, and groceries. No Annual Fee - Enjoy all the card benefits. There's no annual fee. It's a cheap option for students, Small Business Owners and Cash Back Seekers. Introductory APR - Benefit from a 0% introductory APR on purchases for the first 15-month period, allowing you to make buy and pay them off over time without accruing interest. This 0% benefit helps you buy everything you need to start your student career. Exclusive Access to Uber Rewards - Earn 10% cash back on Uber and Uber Eats purchases, along with complimentary Uber One membership statement credits until a specified date. Student-Friendly Features - Capital One offers various student-friendly features, including credit monitoring tools, flexible payment options, and access to Capital One CreditWise for tracking your credit health. Freeze it® - Easily place holds on stolen or missing cards directly through the app for added security and peace of mind. Access to Credit Education - This feature is best for credit scores to improve. Gain access to Discover's Credit Scorecard with your FICO® Credit Score, monthly updates, and tips to help you understand and improve your credit. Cashback Match™ - At the end of your first year with the card, Discover matches all the cash back you've earned, effectively doubling your rewards without any limit. so students benefit from doubling reward points for other spending. Rotating Bonus Categories - Earn 5% cash back on everyday purchases in rotating quarterly bonus categories, such as gas stations, grocery stores, restaurants, and more, up to the quarterly maximum. Good Grade Reward - Get a $20 statement credit each school year if your GPA is 3.0 or higher for up to the next five years. it's not a big reward but a small credit combination helps your spend.
CASH ADVANCE FEE / APR
5% of the amount of the cash advance, but not less than $5 Either $10 or 5% of the amount of each cash advance, whichever is greater.
BALANCE TRANSFER FEE
0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99% - 29.99% Variable APR 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 18.24%-27.24% Variable APR
RECOMMENDED CREDIT SCORE
630 - 689 (Poor - Fair) 630 - 689 (Poor - Fair)
FOREIGN TRANSACTION FEE
None None
BEST FOR
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • Entertainment
  • Cash Back Seekers
  • Students
  • Bad Credit
  • U.S. Supermarket Spending
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