Is the Deserve® EDU Mastercard for Students card better than the Capital One SavorOne Student Cash Rewards Credit Card?

It’s best to consider your situation and needs before determining which card is the right option for you. If you travel outside the U.S. often or are an international student, the Deserve® EDU Mastercard for Students card is a great choice. Meanwhile, it may be best to apply for the Capital One SavorOne Student Cash Rewards Credit Card if you’re looking for more cash back rewards.

Can you get the Deserve® EDU Mastercard for Students card if you have the Capital One SavorOne Student Cash Rewards Credit Card?

Yes, it’s possible to get both cards. Although both issuers have high APR with Deserve charging 18.74% APR and Capital One charging 26.99% APR, it's best to pay your monthly bill on time and avoid high-interest penalties.

Can you transfer points from the Deserve® EDU Mastercard for Students card to the Capital One SavorOne Student Cash Rewards Credit Card?

No, it isn’t possible to transfer points between these two student credit cards.

Can you switch from the Deserve® EDU Mastercard for Students card to the Capital One SavorOne Student Cash Rewards Credit Card?

Yes, you can switch between the two cards if your preferences change.

Deserve® EDU Mastercard for Students vs. Capital One SavorOne Student Cash Rewards Credit Card: Which Is Best for You?

Q: What’s harder to get, the Deserve® EDU Mastercard for Students card or the Capital One SavorOne Student Cash Rewards Credit Card?

It’s generally easier to get the Deserve® EDU Mastercard for Students since it doesn’t require a Social Security number to apply.

Q: How much do you have to spend for Deserve® EDU Mastercard for Students vs Capital One SavorOne Student Cash Rewards Credit Card to get the welcome bonus?

Neither card has a welcome bonus.

Students looking to start their credit card journey and earn cash back may benefit from the Deserve® EDU Mastercard for Students card or the Capital One SavorOne Student Cash Rewards Credit Card. To help you determine which card best fits your unique situation, MoneyGeek compared these two student credit cards.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

When considering the best student credit card for you, it’s best to analyze each card’s different rewards, features and fees. Capital One SavorOne Student Cash Rewards Credit Card offers 3% cash back on grocery stores, entertainment, dining and more. Meanwhile, Deserve® EDU Mastercard for Students rewards cardholders with a complimentary Amazon Prime Student for one year.

Although there are differences between the Deserve® EDU Mastercard for Students card and the Capital One SavorOne Student Cash Rewards Credit Card, both have no annual fee, no foreign transaction fees and offer opportunities to earn cash back on all eligible purchases.

OUR COMPARISON AT A GLANCE

Comparison Overview
Deserve® EDU Mastercard for Students at a Glance
Capital One SavorOne Student Cash Rewards Credit Card at a Glance
Comparison Summary
Which Card Should You Get?

Comparison Overview: Deserve® EDU Mastercard for Students vs. Capital One SavorOne Student Cash Rewards Credit Card

Deserve® EDU Mastercard for Students
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
None–Poor
Limited–Fair

Deserve® EDU Mastercard for Students At a Glance

The Deserve® EDU Mastercard for Students card may benefit international students or students looking to build their credit. So if you have a poor credit score or no credit score, this card is a good option. The Deserve® EDU Mastercard for Students also has a 1% cash back on all purchases, no annual fee, no international transaction fees and free Amazon Prime Student for one year. Additionally, international students don’t need a Social Security number to apply.

Deserve® EDU Mastercard for Students
Best student cash back card for limited credit history
- 1% Cash BackRewards Rate
- 23.99% VariableAPR
- $0Annual Fee
- None–PoorRecommended Credit
Pros
Earn 1% cash back on all your purchases
There is no annual fee or foreign transaction fee
You will have complimentary Amazon Prime Student for a year
Complimentary cell phone protection when you use your card to pay your cell phone bill
Do not need a Social Security Number (SSN) to apply
Access to Mastercard Platinum benefits

Cons
High APR on purchases
Students earn 1% cash back on all purchases.
There’s no annual fee, nor are there foreign transaction fees.
Cardholders receive Amazon Prime Student for one year.
Cell phone protection (up to $600) is included when you pay your phone bill with your card.
Mastercard Platinum benefits, such as rental car insurance, are included.
Easy-to-use app helps you manage your account and pause access to your card if you misplace it — all on the go.
Disclaimer: 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 student credit cards.

Capital One SavorOne Student Cash Rewards Credit Card At a Glance

The Capital One SavorOne Student Cash Rewards Credit Card is a great option for students who want to build their credit history and foreign students. The card offers no annual or foreign transaction fees, 3% cash back for dining and grocery stores and zero fraud liability. With Capital One, cardholders can even manage their account online through their mobile app.

Capital One SavorOne Student Cash Rewards Credit Card
Great no-annual-fee student card with generous cash back
- 1% – 10% cash backRewards Rate
- 19.99% – 29.99% VariableAPR
- $0Annual Fee
- Limited–FairRecommended Credit
Pros
Unlimited cash back on everyday categories
Attainable welcome offer
Automatic credit limit review after six months of on-time payments
No annual fee
No foreign transaction fees
No penalty APR

Cons
No student-focused features
Potentially high APR
Earn 10% cash back on Uber and UberEats purchases (through Nov. 14, 2024)
Earn 8% cash back on Capital One Entertainment purchases
Earn 5% cash back on hotels and rental cars booked through Capital One Travel
Earn 3% cash back on dining, entertainment, select streaming services and grocery stores (excluding superstores like Walmart® and Target®)
Earn 1% cash back on all other spending
Earn one-time $50 cash bonus after spending $100 in the first three months
No annual fee
No foreign transaction fees
Regular APR 19.99% – 29.99% variable
No penalty APR
Consideration of higher credit limit after six months of on-time payments
Complimentary UberOne membership statement credits
Access to Capital One’s CreditWise credit-monitoring tool
Extended warranty coverage to double manufacturer warranties*
Price protection for up to 120 days*
Roadside assistance - fees apply* *Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

Comparison Summary

To help you find the best student credit card options, MoneyGeek compared the differences between the Deserve® EDU Mastercard for Students card and the Capital One SavorOne Student Cash Rewards Credit Card.

Card Detail	Comparison Summary
Rewards rate	The Deserve® EDU Mastercard for Students card offers 1% cash back on all purchases. The Capital One SavorOne Cash Rewards Credit Card for Students card earns 3% cash back on entertainment, major streaming services, dining and in grocery stores. Winner: Capital One SavorOne Cash Rewards Credit Card for Students
Benefits	With the Deserve® EDU Mastercard for Students card, you will get up to $600 in cell phone protection as long as you use your card to pay your monthly cell phone bill. You will also receive complimentary Amazon Prime Student for one year. The Capital One SavorOne Cash Rewards Credit Card for Students card allows you to redeem your rewards with PayPal and use your rewards for purchases on Amazon. Winner: Deserve® EDU Mastercard for Students
Fees	Both cards have no annual fee or foreign transaction fees. However, Deserve charges up to $25 for late payments while Capital One charges up to $40. Both issuers have high APR rates for their cards, but Deserve charges a lower APR at 18.74% than the 26.99% APR Capital One charges. Winner: Deserve® EDU Mastercard for Students
Application for international students	It’s easier for international students in the U.S. to apply for the Deserve® EDU Mastercard for Students credit card since it doesn’t require them to have a Social Security number. Capital One doesn’t mention whether international students need a Social Security number to apply. Winner: Deserve® EDU Mastercard for Students

Which Card Should You Get?

It’s important to consider your finance needs and your situation when you compare the Deserve® EDU Mastercard for Students card and the Capital One SavorOne Student Cash Rewards Credit Card.

Who Should Consider the Deserve® EDU Mastercard for Students?

The Deserve® EDU Mastercard for Students card is a solid choice, and it may be ideal for international students, students who travel abroad or students who want to build their credit history. There is no annual fee or international transaction fees, and a security deposit isn’t required when applying.

Unlike other credit cards, this card doesn’t have additional charges for purchases outside the U.S., which is ideal for students who travel frequently.
International students in the U.S. aren’t required to have a Social Security number when applying for this card.
Applying for this card doesn’t require a security deposit.
≫ 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 benefit students who want higher cash back rewards, are constantly on the go, or regularly shop online.

The card offers students the opportunity to earn unlimited 3% cash back on popular streaming services, dining, at grocery stores and more. Students who use their SavorOne Rewards for Students card also receive 8% cash back for Vivid Seats tickets throughout January 2023.
Capital One has a mobile app that allows you to manage your account anytime. You can pay your bill, check your transactions and view your balance regardless of your location.
You can shop using your Capital One rewards to pay for Amazon purchases, redeem rewards with PayPal and use available coupon codes through Capital One Shopping.

EXPERT OPINION

The cell phone insurance offered by the Deserve® EDU Mastercard for Students can be extremely valuable if your cell phone is damaged or stolen. However, if you don’t find value in this benefit, or the complimentary year access to Amazon Prime Student, the Capital One SavorOne Student Cash Rewards Credit Card easily trumps the Deserve card because of its broad 3% cash back categories.

Other Helpful Decision-Making FAQs

MoneyGeek listed some of the most asked questions about differences between the Deserve® EDU Mastercard for Students card and the Capital One SavorOne Student Cash Rewards Credit Card to help you determine which student credit card fits you best.

Still Not Sure About These Cards? Consider These Options

The Deserve® EDU Mastercard for Students card or the Capital One SavorOne Student Cash Rewards Credit Card are solid options for students, especially those looking to build their credit history. However, if you’re unsure if either of these cards fit your needs, there are other student credit card options.

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sources

Capital One. "SavorOne Student Cash Rewards Credit Card." Accessed January 6, 2022.
Deserve. "Credit Cards." Accessed January 6, 2022.

*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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