Advertising & Editorial Disclosure

MoneyGeek helps you compare the difference between the Capital One Journey Student Rewards and Capital One SavorOne Rewards for Students credit card by analyzing the associated fees, benefits, and reward programs. For example, these two cards have no annual fees or foreign transaction fees. They charge the same APR rate of 26.99%. Capital One SavorOne Rewards for Students earns 3% cash back on popular spending categories, and 1% cash back on all other purchases. Capital One Journey Student Rewards, on the other hand, has a straightforward but lower cash back rate of 1%, up to 1.25% on all purchases if statements are paid on time.

OUR COMPARISON AT A GLANCE

Comparison Overview: Capital One Journey Student Rewards vs. Capital One SavorOne Rewards for Students

  • Capital One Journey Student Rewards
    Capital One SavorOne Rewards for Students
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
    This is an icon
    This is an icon
  • Travel Rewards
    This is an icon

Capital One Journey Student Rewards At a Glance

The Capital One Journey Student Rewards card helps you establish a strong credit history especially when you’re just starting out. It provides a flat-rate reward earning opportunity of 1% on all purchases. It also encourages responsible credit card use by boosting your earning potential to 1.25% when you pay your bills on time. You don’t have to be a student to apply for this card which can be beneficial to credit card holders who can’t qualify for the card of their choice at the moment. Since it reports to all three major credit card bureaus, you can ask for a credit limit increase or apply for a better card in as soon as six months.


  • Capital One Journey Student Rewards

    Best student credit card with up to 1.25% cash back

    • Limited-FairCredit Needed
    • $0Annual Fee
    • 1.25% Cash Back*Rewards Rate
    • 1xRewards Rate on Online Shopping
    • 1xRewards Rate on Groceries

    Terms, rates and fees apply

    Compare this credit card with other top-rated student credit cards.

Capital One SavorOne Rewards for Students At a Glance

The Capital One SavorOne Rewards, a student credit card version of the SavorOne Rewards, is exclusively for college students currently enrolled or planning to enroll in a university in the next three months. Just like the Capital One Journey Student Rewards, it offers cash back opportunities and charges no annual fee. It can earn unlimited 3% cash back rewards when you use the card on spending categories like dining, entertainment, grocery and streaming services. Outside of these categories, the cashback earning rate is 1%. Of course, you can still keep using this student credit card even after you graduate.


  • Capital One SavorOne Rewards for Students

    A great student credit card with high cash back on bonus categories

    • Limited-FairCredit Needed
    • $0Annual Fee
    • 1% - 3% Cash BackRewards Rate

    Terms, rates and fees apply

    Compare this credit card with other top-rated credit cards.

Comparison Summary

To help you choose between the Capital One Journey Student card or Capital One SavorOne Rewards for Students card, MoneyGeek breaks them down based on their current offers.

  • Card Detail
    Comparison Summary

  • Travel Coverage and Purchase Protection

    Both the Capital One Journey Student and Capital One SavorOne Rewards for Students cards have no foreign transaction fees which can be beneficial to anyone planning to travel or study abroad. However, the SavorOne Rewards for Students card has added travel perks like travel accident insurance and complimentary concierge services, roadside dispatch and rental car coverage.

    Winner: Capital One SavorOne Rewards for Students

  • Welcome Bonus

    The Capital One Journey Student Rewards offers cardmembers a welcome offer of $5 statement credits per month for the first 12 months when they use the card on select streaming services like Netflix, Amazon Prime and Hulu. The SavorOne Rewards card doesn’t have any welcome offer.

    Winner: Capital One Journey Student Rewards

  • Rewards

    In terms of rewards, SavorOne Rewards for Students has a much better top reward earning rate of 3% than Journey Student Rewards of just 1%, especially for students who frequently spend on dining, entertainment and all other popular categories.

    Winner: Capital One SavorOne Rewards for Students

Which Card Should You Get?

Between the Journey Student Rewards and the SavorOne Rewards cards, you should be able to determine which kind of benefits and perks you need from a credit card. One card is not necessarily better than the other as it’s up to you to find a credit card that works best for you. And if you aren’t up-to-speed on how credit cards work, it may be best to do some research before applying.

Who Should Consider the Capital One Journey Student Rewards?

The Capital One Journey Student Rewards is a great credit card option to consider for those who are just learning about credit cards or are working their way to qualify for a consumer credit card. It may also be great for anyone who falls in any one of these categories:

  • This is an icon

    For people who are just learning about credit cards, the Capital One Journey Student Rewards propels you to the right direction in terms of developing solid financial habits by incentivizing on-time payments.

  • This is an icon

    For cardmembers who use streaming services like Netflix, Hulu and Amazon Prime, they could benefit from the card’s welcome offer by charging on the card what they already pay for anyway.

  • This is an icon

    For cardholders who want to monitor their credit score to eventually apply for higher credit limit or better reward credit cards, Capital One’s Creditwise can be a really useful tool.

  • This is an icon
    ≫ More: Read Our Full Review

Who Should Consider the Capital One SavorOne Rewards for Students?

Capital One SavorOne Rewards offers a higher cash back for much more specific spending categories. However, it is only limited to students.

  • This is an icon

    Students who frequently spend on dining, entertainment, streaming and grocery can benefit from SavorOne Rewards’ higher cash back rate.

  • This is an icon

    Students may also find SavorOne Rewards as a more ideal card to use long term than the Journey Student, due to its high cash back rate.

  • This is an icon

    Students who frequently attend concerts, football games, and other premium events can score an even higher cashback rate of 8% when they purchase tickets through Vivid Seats using their SavorOne credit card.

  • This is an icon
    ≫ More: Read Our Full Review
tip icon
EXPERT OPINION

The clear winner of these two is the Capital One SavorOne Rewards for Students card because of the 3% spending categories. However, if you find value in saving $5 per month on streaming services, the Journey Students Rewards card may be a better fit. But keep in mind this offer is only good for the first 12 months, so after that, the better card will likely be the SaverOne Rewards card.

Other Helpful Decision-Making FAQs

MoneyGeek answers the most common questions that may help you decide whether you should get Capital One’s Journey Student Rewards or SavorOne Rewards for Students.

Still Not Sure About These Cards? Consider These Options

Looking for a different or a specific perks and benefits not in these cards? You can check out our list of the best student credit cards or best rewards credit cards. If you think the variable APR is high for a student credit card, you may want to research if you can qualify for a low-interest rate credit card.

View All Credit Cards

Learn more about credit cards in general

Explore Topics
cardVScard

Business vs. Corporate Credit Cards

sources
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.