SoFi Credit vs. Capital One SavorOne Student Cash Rewards

Easily compare up to three credit cards side by side with our intuitive comparison tool. Assess features, offers, and more to find the best fit for your financial needs.

SoFi Credit Card SoFi Credit Card Capital One SavorOne Student Cash Rewards Card Capital One SavorOne Student Cash Rewards Card
8.5Lootrs Score

Lootrs Score 8.5

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
7
Regular APR
7.3
Rewards
9
Benefits
9
Welcome Bonus
6
Recommended Credit Score: 9.1
Foreign Transaction Fee: 10
Cash Advance Fee: 8.6
Balance Transfer Fee: 8.8
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
ANNUAL FEE
$0 $0
INTRO APR
N/A 0% on Purchases and Balance Transfers for 15 months
REGULAR APR
20.24 percent to 29.99 percent (variable) APR: 19.99%-29.99% Variable APR, Cash Advance APR: 29.99%, Variable
PROS
  • No membership fees
  • Cell phone insurance
  • No foreign transaction fee
  • Excellent rewards rewards rate when redeemed into an eligible SoFi account
  • 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
CONS
  • No initial rewards bonus
  • No intro APR on purchases
  • No intro APR on balance transfers
  • Must redeem rewards into an eligible SoFi account for best value
  • 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.
WELCOME BONUS
None Earn $50 Cash Back when you spend $100 in the first three months
REWARDS
SoFi Credit Card Rewards program offers remarkable versatility in credit currency. Utilize your earnings across a diverse array of options, such as:
  • Earn 2 points on all eligible purchases. You can redeem them for 2% cash back. Use it for investing, saving, or paying an eligible loan with SoFi. Or, you can use it as a statement credit.*
  • You earn 3 points per $1 spent. You get them when you use your SoFi Credit Card to book trips through the new SoFi Travel, powered by Expedia.
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
BENEFITS
Free cellphone insurance - Receive up to $1,000 of coverage when you pay your cellphone bill with your SoFi card. ID theft protection - World Elite Mastercard benefits - It has Mastercard World Elite benefits. These include cellphone protection. And, they come with savings for Lyft, DoorDash and more. No foreign transaction fees - Save 2% to 3% on foreign transactions, it might be the best fit for consumers who make regular purchases outside the U.S. This card might be good for consumers. They want a business credit card with simple rewards and no annual fee. Sofi balance transfer - The basics of balance transfer credit cards are simple. First, you must open a new card with lower or no interest. Then, you’ll move your credit card balance from the high-interest card to the new one. Once the transfer goes through, you’ll start paying down the balance on your new card. 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.
CASH ADVANCE FEE / APR
Either $10 or 5% of the amount of each transfer, whichever is greater 5% of the amount of the cash advance, but not less than $5
BALANCE TRANSFER FEE
APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate, Fee: Either $10 or 5% of the amount of each transfer, whichever is greater 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99% - 29.99% Variable APR
RECOMMENDED CREDIT SCORE
670 - 850 (Fair - Exceptional) 630 - 689 (Poor - Fair)
FOREIGN TRANSACTION FEE
0% None
BEST FOR
  • Cash Back Seekers
  • Students
  • Hotel Stays
  • Foreign Travel
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • Entertainment
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