The Capital One SavorOne Student Cash Rewards Credit Card is a good first-time credit card because it is available to students with limited credit and it offers rewards, giving 1 - 5% cash back. The card's annual fee is $0. Responsible use also builds credit, as the Capital One SavorOne Student Card reports account info to the major credit bureaus monthly.  

To get approved for the card, you will need to have a steady income and meet other basic requirements like being at least 18 years old and having an SSN or ITIN.

Why Capital One SavorOne Student Card Is a Good First-Time Credit Card

• Available to: Students with limited credit
• Annual fee: $0 annual fee
• Rewards: 1 - 5% cash back
• APR: 19.74% - 29.74% (V)
• Reports to credit bureaus monthly: Yes

It's worth noting that the Capital One SavorOne Student Card isn't the only good first-time credit card out there. You can learn more about the best first-time credit cards on WalletHub.

The Capital One SavorOne Student Cash Rewards Credit Card is not a metal credit card, as it is made of plastic like most other credit cards. There's no functional difference between a plastic card like the Capital One SavorOne Student Card and a metal credit card, though, so don't dismiss the Capital One SavorOne Student Card just because...

The Capital One SavorOne Student Cash Rewards Credit Card is fairly easy to get. The Capital One SavorOne Student Card is available to people who have limited credit or better, which means the average person has a decent chance of qualifying for the card.

Even though the Capital One SavorOne Student Card is fairly easy to get,...

Yes, the Capital One SavorOne Student Cash Rewards Credit Card is a cash back credit card, which gives 1 - 5% cash back on purchases and has an annual fee of $0. Once you earn cash back on your Capital One SavorOne Student Card, you can redeem it for a statement credit or gift cards, or...

Yes, you can carry a balance on the Capital One SavorOne Student Cash Rewards Credit Card, which allows you to pay off your purchases and other transactions over time. There is a minimum monthly payment you must make, and you can carry the remaining balance. Keep in mind that carrying a balance may not always be the...

The Capital One SavorOne Student Cash Rewards Credit Card will increase your credit limit no more than once every six months generally. This time frame applies whether you request a credit limit increase yourself or wait for Capital One to offer you an automatic increase. It's typical for credit cards to have a waiting period between increases.

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The main Capital One SavorOne Student Card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least limited credit.

Capital One SavorOne Student...

Yes, you can use the Capital One SavorOne Student Cash Rewards Credit Card anywhere that accepts cards on the Mastercard network. That means you can use the Capital One SavorOne Student Card at 10.7 million U.S. merchant locations in the U.S., as well as with millions more merchants across 210 countries and territories.

The Capital One SavorOne...

Capital One SavorOne Student Card rewards do not expire as long as your account is open and in good standing. You will forfeit any rewards you have yet to redeem if you or Capital One closes your Capital One SavorOne Student Card account for any reason.

Similarly, Capital One will not allow you to...

Capital One SavorOne Student Card does not have transfer partners, unlike many other popular credit cards. Capital One SavorOne Student Card rewards are redeemable only for cash back, gift cards, Amazon and PayPal purchases, or previous purchases and cannot be transferred to another loyalty program.