Capital One SavorOne vs Discover it® Student Cash Back
Side-by-side comparison
| Capital One SavorOne | Discover it® Student Cash Back | |
|---|---|---|
| Annual fee | $39 | No annual fee |
| Welcome offer | No current offer | Cashback Match in year 1 |
| Dining | 3x | 1x |
| Groceries | 3x | 1x |
| Gas | 1x | 1x |
| Travel | 1x | 1x |
| Streaming | 3x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $484 | $292 |
| Points type | Pools with Capital One → transferable | Cash back only |
| Network | Mastercard | Discover |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Capital One SavorOne earns about $484 a year in rewards and the Discover it® Student Cash Back about $292, valuing every point at a flat 1 cent. The Capital One SavorOne charges $39, which you clear through its rewards and perks. The Discover it® Student Cash Back has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Capital One SavorOne delivers more total value, about $153 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. The bigger difference is the ceiling: the Capital One SavorOne earns points you can move to travel partners for outsized value, while the Discover it® Student Cash Back pays plain cash back. Favor the Capital One SavorOne if you will use travel transfers, the Discover it® Student Cash Back if you want simplicity.
Pick the Capital One SavorOne if your spending leans toward dining, groceries, streaming.