Can you get the Chase Freedom® Student credit card if you have the Capital One SavorOne Student Cash Rewards Credit Card?

Yes, you may apply for both cards if you believe they'll be useful to you. However, if you've been authorized for five or more credit cards in the last 24 months, you will not be eligible for a Chase credit card.

Can you transfer points from Chase Freedom® Student credit card to Capital One SavorOne Student Cash Rewards Credit Card?

Neither of these cards earn points. They are both cash back cards.

Can you switch from Chase Freedom® Student credit card to Capital One SavorOne Student Cash Rewards Credit Card?

No, you can’t switch from Chase Freedom® Student credit card to Capital One SavorOne Student Cash Rewards Credit Card. However, you can submit separate applications to both issuers and have both cards at the same time.

What’s harder to get, Chase Freedom® Student credit card or Capital One SavorOne Student Cash Rewards Credit Card?

Both cards are designed for students, making their barriers to entry fairly low.

Chase Freedom® Student credit card vs. Capital One SavorOne Student Cash Rewards Credit Card: Which Is Best for You?

Q: Is the Chase Freedom® Student credit card better than the Capital One SavorOne Student Cash Rewards Credit Card?

If you want to receive cash back rewards on purchases made outside of the United States without incurring a transaction fee, then you may choose Capital One SavorOne Student Cash Rewards Credit Card. On the other hand, the Chase Freedom® Student credit card is another option for students looking to build their credit history while earning rewards.

Q: How much do you have to spend for Chase Freedom® Student credit card vs Capital One SavorOne Student Cash Rewards Credit Card to get the welcome bonus?

Capital One SavorOne Student Cash Rewards Credit Card doesn’t come with a welcome offer. The Chase Freedom® Student credit card offers a $50 bonus after your first transaction in the first three months.

Students looking for a credit card that will help them build their credit score while enjoying cash back rewards may want to consider either the Chase Freedom® Student credit card or the Capital One SavorOne Student Cash Rewards Credit Card. MoneyGeek examines the features of these two credit cards to assist you in determining which one is best for your student needs.

Advertising & Editorial DisclosureLast Updated: 12/5/2022

Reviewed By

Brett Holzhauer

Last Updated: 12/5/2022

Compare these two big credit cards' features, fees, rewards, and expenses to see which one is best for your needs.

Capital One SavorOne Student Cash Rewards Credit Card provides 3% cash back on restaurants, entertainment, popular streaming services, and at grocery stores, in addition to 1% cash back for all other transactions.

While every purchase you make with your Chase Freedom® Student credit card earns you 1% cash back, it's a Visa card with no yearly cost and a simple one-time offer that's worth considering.

OUR COMPARISON AT A GLANCE

Comparison Overview
Chase Freedom® Student credit card at a Glance
Capital One SavorOne Student Cash Rewards Credit Card at a Glance
Comparison Summary
Which Card Should You Get?

Comparison Overview: Chase Freedom® Student credit card vs. Capital One SavorOne Student Cash Rewards Credit Card

Chase Freedom® Student credit card
Capital One SavorOne Student Cash Rewards Credit Card
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Limited-Fair
Limited-Fair

Chase Freedom® Student credit card At a Glance

If you're a college student looking to earn rewards without having to bother with activating or tracking specific spending categories, the Chase Freedom® Student credit card card is for you. Every purchase you make earns 1% cash back. Rewards never expire, and there is no minimum amount to redeem for a cash back bonus.

Chase Freedom® Student credit card
A solid card with rewards students are sure to appreciate
- Limited-FairRecommended Credit
- $0Annual Fee
- 1% Cash BackRewards Rate
- 1xRewards Rate on Online Shopping
- 1xRewards Rate on Groceries
Pros
No annual fee
One-time $50 bonus for new cardholders after making a purchase within the first three months of account opening
Earn 1% cash back on purchases

Cons
3% foreign transaction fee
Cardholders earn 1% cash back on purchases.
Rewards don’t expire as long as the account is open.
A bonus of $20 per year for the first five years is awarded to customers in good standing on card anniversary.
There’s no annual fee, but travelers should be aware that there is a 3% foreign transaction fee.
Students receive access to their credit score via the online or mobile banking portal.
Disclaimer: We work hard to stay updated with the latest information, but card offers are always changing, and in some cases, the offer listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated student credit cards.

Capital One SavorOne Student Cash Rewards Credit Card At a Glance

The Capital One SavorOne Student Cash Rewards Credit Cards is the best option for cardholders who prioritize dining and entertainment with no annual fee. You will receive 3% cash back at restaurants and entertainment venues, as well as 1% cash back at grocery shops and major streaming services like Netflix and Hulu. In addition, Vivid Seats customers may get 8% cash back on tickets until January 2023.

Capital One SavorOne Student Cash Rewards Credit Card
A great student credit card with high cash back on bonus categories
- Limited-FairRecommended Credit
- $0Annual Fee
- 1% - 10% cash backRewards Rate
Pros
Does not require a high credit score
Offers high cash back on several categories
No annual fee
No foreign transaction fee

Cons
High interest rate
Earn $100 cash bonus once you spend $100 on purchases within the first three months
Earn 3% cash back on groceries, dining, entertainment and popular streaming services
Earn 1% cash back on all other purchases
Redeem rewards as cash, purchase payment or gift cards
No annual and foreign transaction fees
High variable APR for purchases, balance transfers and cash advances
No balance transfer fee if done at regular balance transfer APR; if transfer is done at a promotional APR, a 3% fee will apply
Rewards have no expiration date as long as your account remains active
Each cash advance has a fee of $10 or 3% of the amount, whichever is higher
Late fees up to $40
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

Comparison Summary

Using MoneyGeek's breakdown of the differences between the Chase Freedom® Student credit card vs. Capital One SavorOne Student Cash Rewards Credit Card, you can evaluate which is the ideal student credit card for your situation.

Card Detail
Comparison Summary
Foreign Transaction Fee
The Capital One SavorOne Cash Rewards Credit Card is a smart choice for international transactions since it doesn’t have a foreign transaction fee. On the other hand, the Chase Freedom® Student credit card has a 3% foreign transaction fee.
Winner: Capital One SavorOne Cash Rewards Credit Card
Welcome Bonus
The Capital One SavorOne Cash Rewards Credit Card for Students doesn’t have a welcome bonus. In comparison, the Chase Freedom® Student credit card gives a $50 incentive after your first purchase within three months.
Winner: Chase Freedom® Student credit card
Rewards
With the no-annual-fee Capital SavorOne Rewards for Students credit card, you will receive unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
The Chase Freedom® Student credit card offers simple incentives for students. You get 1% cash back on all transactions and a $50 incentive on your first purchase within three months. There's also no minimum expenditure or yearly charge. Also, keep your account active, and you'll get a $20 bonus on your first five account anniversaries.
Winner: Chase Freedom® Student credit card
Annual Fee
You will not be charged an annual fee from either card.
Winner: Tie

Which Card Should You Get?

It's critical to analyze your status and needs while deciding between the Chase Freedom® Student credit card and Capital One SavorOne Student Cash Rewards Credit Card.

Who Should Consider the Chase Freedom® Student credit card?

The Chase Freedom® Student credit card has several key advantages, like unlimited rewards and no annual fees. Because of its unlimited cash back advantages, the card could be beneficial for your daily purchases.

Every purchase you make with your Chase Freedom® Student credit card earns you 1% cash back. Spending and bonus categories aren't necessary; use your card and automatically get cash back rewards.
To qualify for a bonus on a credit card, most demand a considerable amount of spending. Within three months of opening an account, you'll get a $50 incentive if you make your first purchase.
≫ More: Read Our Full Review

Who Should Consider the Capital One SavorOne Student Cash Rewards Credit Card?

The Capital One SavorOne Student Cash Rewards Credit Card may be a solid choice for students, especially if these benefits and features appeal to you:

Consumers who want to make purchases outside the United States since it doesn’t charge foreign transaction fees.
Each purchase made with this card gives you a 1% cash back minimum. Additionally, you'll get 3% cash back on specific categories and purchases.

EXPERT OPINION

If you plan to hold this card for several years and spend regularly on the card, the Capital One SavorOne Student Cash Rewards Credit Card will likely net a higher cash back return. If you only want to have the card for a short time to possibly upgrade to a different credit card, the Chase Freedom® Student credit card may be a better choice because of the $50 welcome bonus.

Other Helpful Decision-Making FAQs

Selecting a student credit card might be challenging. MoneyGeek addresses some commonly asked questions to assist you in better understanding the Chase Freedom® Student credit card and Capital One SavorOne Student Cash Rewards Credit Card.

Still Not Sure About These Cards? Consider These Options

The Chase Freedom® Student credit card and the Capital One SavorOne Student Cash Rewards Credit Card are both excellent student credit cards. However, if you're seeking more ways to earn benefits, try obtaining other student rewards credit cards.

View All Credit Cards

Learn more about credit cards in general

*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.
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