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

Capital One's SavorOne 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.

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

  • Chase Freedom Student
    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

Chase Freedom Student 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 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

    A solid card with rewards students are sure to appreciate


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

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

  • Card Detail
    Comparison Summary
  • Foreign Transaction Fee

    The Capital One SavorOne Rewards 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 card has a 3% foreign transaction fee.

    Winner: Capital One SavorOne Rewards

  • Welcome Bonus

    The Capital One SavorOne Rewards for Students doesn’t have a welcome bonus. In comparison, the Chase Freedom Student gives a $50 incentive after your first purchase within three months.

    Winner: Chase Freedom Student

  • 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

  • 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 and Capital One SavorOne Rewards for Students credit cards.

Who Should Consider the Chase Freedom Student?

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.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

Who Should Consider the Capital One SavorOne Rewards for Students?

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

  • This is an icon

    Consumers who want to make purchases outside the United States since it doesn’t charge foreign transaction fees.

  • This is an icon

    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.

tip icon
EXPERT OPINION

If you plan to hold this card for several years and spend regularly on the card, the Capital One SavorOne Rewards for Students 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 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 card and Capital One SavorOne Rewards card.

Still Not Sure About These Cards? Consider These Options

The Chase Freedom Student Credit Card and the Capital One SavorOne Rewards for Students 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.

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.
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.