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Capital One Savor for Students vs Capital One Quicksilver Student

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: too close to call (under 3 pts). Scores: Capital One Savor for Students 61.4%, Capital One Quicksilver Student 62.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Savor for Students nets $430/yr, Capital One Quicksilver Student nets $346/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeStudents: 10.0 · Student: 10.0
• Rewards rateStudents: 5.0 · Student: 6.0
• Sign-up bonusStudents: 0.7 · Student: 0.7
• Intro 0% APRStudents: 0.0 · Student: 0.0
• Regular APRStudents: 7.3 · Student: 7.3
• Foreign transaction feeStudents: 10.0 · Student: 10.0
• Regulatory record (CFPB)Students: 10.0 · Student: 10.0

Downsides

• Capital One Savor for Students61.4%
  Capital One · student
  Annual fee $0APR 18.74%–28.74% variableRewards 1% base; 3% dining; 3% groceries; 3% streamingCredit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 28.74% if you carry a balance · Late fee up to $40 · Grocery 3% excludes superstores like Walmart/Target per issuer terms.

• Capital One Quicksilver Student62.9%
  Capital One · student
  Annual fee $0APR 18.74%–28.74% variableRewards Unlimited 1.5% cash backCredit Student

  ⚠ APR up to 28.74% if you carry a balance · Late fee up to $40

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Capital One Savor for Students or Capital One Quicksilver Student?

On VaultRubric's rubric: too close to call. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.