Dedicated comparison page

Capital One SavorOne Cash Rewards vs Discover it Student Cash Back

Capital One SavorOne Cash Rewards vs Discover it Student Cash Back on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCapital One SavorOne Cash RewardsNo annual fee
Highest reward rateCapital One SavorOne Cash Rewards5.0%
Lowest starting credit rangeDiscover it Student Cash Back580+

Quick Take

Capital One SavorOne Cash Rewards

by Capital One

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Capital One SavorOne Cash Rewards is a dining card from Capital One with no annual fee, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening, and fair to good credit.

Best for: People focused on dining rewards who want to avoid an annual fee and who typically have fair to good credit.

  • 5% on Travel-portal
  • Earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • No foreign transaction fee
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Discover it Student Cash Back

by Discover

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Discover it Student Cash Back is a student card from Discover with no annual fee, cashback match - all cash back earned in first year is doubled, plus $20/year good grade reward, and fair credit.

Best for: People focused on student rewards who want to avoid an annual fee and who typically have fair credit.

  • 5% on Dining
  • Cashback Match - all cash back earned in first year is doubled, plus $20/year good grade reward
  • No foreign transaction fee
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Side-by-Side Facts

MetricCapital One SavorOne Cash RewardsDiscover it Student Cash Back
Annual FeeNoneNone
Reward Rate5.0%5.0%
Signup BonusEarn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account openingCashback Match - all cash back earned in first year is doubled, plus $20/year good grade reward
Foreign Transaction FeeNoneNone
Recommended CreditFair to good creditFair credit
Rewards SummaryEarn elevated rewards with 5% on Travel-portal, 3% on Dining and 3% on Entertainment, plus 1% on other purchases.Earn elevated rewards with 5% on Dining (up to $1500/quarter) (rotating quarterly), 5% on Gas (up to $1500/quarter) (rotating quarterly) and 5% on Groceries (up to $1500/quarter) (rotating quarterly), plus 1% on other purchases.

Who Should Pick Which Card?

Capital One SavorOne Cash Rewards

Its strongest earning category is Travel-portal at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on dining rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • Earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • No annual fee to offset rewards
  • Earns 5% on Travel-portal
  • Earns 3% on Dining

Tradeoffs

  • Base rewards on non-bonus spending are relatively modest

Discover it Student Cash Back

Its strongest earning category is Dining at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on student rewards who want to avoid an annual fee and who typically have fair credit.

Pros

  • Cashback Match - all cash back earned in first year is doubled, plus $20/year good grade reward
  • No annual fee to offset rewards
  • Earns 5% on Dining
  • Earns 5% on Gas

Tradeoffs

  • Base rewards on non-bonus spending are relatively modest

Frequently Asked Questions

What is the main difference between Capital One SavorOne Cash Rewards and Discover it Student Cash Back?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Discover it Student Cash Back has the lowest published starting credit range in this comparison at 580.

Which card has the lowest annual fee?

Capital One SavorOne Cash Rewards has the lowest annual fee in this comparison at no annual fee.