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


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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.
Comparison Overview: Deserve® EDU Mastercard for Students vs. Capital One SavorOne Student Cash Rewards Credit Card
- Deserve® EDU Mastercard for StudentsCapital One SavorOne Student Cash Rewards Credit Card
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
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
- None–PoorRecommended Credit
- $0Annual Fee
- 1% Cash BackRewards Rate
- 1xRewards Rate on Online Shopping
- 1xRewards Rate on Groceries
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
A great student credit card with high cash back on bonus categories
- Limited–FairRecommended Credit
- $0Annual Fee
- 1% – 10% cash backRewards Rate
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 DetailComparison 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.
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.
Capital One Spark Miles for Business
Capital One Venture Rewards Credit Card
Ink Business Preferred® Credit Card
Chase Sapphire Reserve® Card
United℠ Business Card
United Club℠ Infinite Card
United℠ Explorer Card
United Gateway℠ Card
Destiny® Mastercard®
Indigo® Platinum Mastercard®
Indigo Mastercard
Mastercard® Gold Card™
Merrick Bank Double Your Line® Secured Credit Card
Merrick Bank Secured Credit Card
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
Navy Federal Credit Union Visa Signature cashRewards Card
Navy Federal More Rewards American Express card
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Fit Mastercard® Credit Card
Milestone® Gold Mastercard®
Disney® Premier Visa® Card
Alliant Visa Signature Card
Marriott Bonvoy Brilliant™ American Express® Card
The Plum Card® from American Express
U.S. Bank Altitude® Connect Visa Signature® Card
Credit One Bank® Platinum X5 Visa®
Credit One Bank® NASCAR® American Express® Credit Card
The Platinum Card® from American Express
Wells Fargo Active Cash® Card
The Blue Business® Plus Credit Card from American Express
American Express Cash Magnet® Card
American Express® Gold Card
Marriott Bonvoy Business® American Express® Card
Journey Student Rewards from Capital One
Capital One Platinum Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Capital One Spark Cash Plus
Chase Freedom® Student Credit Card
Ink Business Cash® Credit Card
Ink Business Unlimited® Credit Card
Deserve® EDU Mastercard for Students
Mastercard® Black Card™
Mastercard® Titanium Card™
Simmons Rewards Visa Signature®
Simmons Visa®
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Visa® Platinum Card
American Express Blue Business Cash™ Card
Blue Cash Everyday® Card from American Express
Blue Cash Preferred® Card from American Express
American Express® Business Gold Card
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Gold Business American Express Card
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Platinum Business American Express Card
Delta SkyMiles® Platinum American Express Card
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Capital One SavorOne Cash Rewards Credit Card
Capital One Spark Cash Select - $500 Cash Bonus
Capital One VentureOne Rewards Credit Card
Aer Lingus Visa Signature®
British Airways Visa Signature® Card
The Business Platinum Card® from American Express
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve American Express Card
The Hilton Honors American Express Business Card
Learn more about credit cards in general
sources
- Capital One. "SavorOne Student Cash Rewards Credit Card." Accessed January 6, 2022.
- Deserve. "Credit Cards." Accessed January 6, 2022.
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