Which card earns more rewards, the Apple Card or Capital One SavorOne Student Cash Rewards Credit Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Apple Card or the Capital One SavorOne Student Cash Rewards Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Apple Card or Capital One SavorOne Student Cash Rewards Credit Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Apple Card or the Capital One SavorOne Student Cash Rewards Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Apple Card or Capital One SavorOne Student Cash Rewards Credit Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Apple Card or the Capital One SavorOne Student Cash Rewards Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

Apple Card vs Capital One SavorOne Student Cash Rewards Credit Card

Both cards cost $0/yr. The Apple Card is better for apple, while the Capital One SavorOne Student Cash Rewards Credit Card wins on capital one entertainment. Here's how they compare.

Apple Card

Goldman Sachs

No image

Capital One SavorOne Student Cash Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Apple Card	Capital One SavorOne Student Cash Rewards Credit Card
Apple	3X	1X
Dining	1X	3X
Entertainment	1X	3X
Exxon	3X	1X
Grocery Stores	1X	3X
Mobil	3X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee, no late fees, and no penalty APR
+Daily Cash deposited immediately rather than monthly
+3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
+2% back on all Apple Pay purchases
+No foreign transaction fees

+3% cash back on dining, entertainment, streaming, and grocery stores
+8% cash back on Capital One Entertainment tickets
+No annual fee
+No foreign transaction fee for study abroad dining
+No category caps or quarterly activation required

Cons

−Only 1% back when using physical card (non-Apple Pay)
−Requires iPhone to apply and manage the card
−No sign-up bonus

Category-by-Category Winner

The Apple Card wins in 9 of 13 categories. The Capital One SavorOne Student Cash Rewards Credit Card leads in 4.

Apple

Apple Card earns 3X vs 1X

Select Merchants

Apple Card earns 3X vs 1X

Exxon

Apple Card earns 3X vs 1X

Mobil

Apple Card earns 3X vs 1X

Nike

Apple Card earns 3X vs 1X

Panera

Apple Card earns 3X vs 1X

Uber

Apple Card earns 3X vs 1X

Walgreens

Apple Card earns 3X vs 1X

Apple Pay

Apple Card earns 2X vs 1X

Dining

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Apple Card or Capital One SavorOne Student Cash Rewards Credit Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Apple Card or the Capital One SavorOne Student Cash Rewards Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Apple Card — Full Review All Goldman Sachs Cards

Capital One SavorOne Student Cash Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Goldman Sachs cards · Capital One cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Apple Card vs Capital One SavorOne Student Cash Rewards Credit Card

Both cards cost $0/yr. The Apple Card is better for apple, while the Capital One SavorOne Student Cash Rewards Credit Card wins on capital one entertainment. Here's how they compare.

Apple Card

Goldman Sachs

No image

Capital One SavorOne Student Cash Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Apple Card	Capital One SavorOne Student Cash Rewards Credit Card
Apple	3X	1X
Dining	1X	3X
Entertainment	1X	3X
Exxon	3X	1X
Grocery Stores	1X	3X
Mobil	3X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee, no late fees, and no penalty APR
+Daily Cash deposited immediately rather than monthly
+3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
+2% back on all Apple Pay purchases
+No foreign transaction fees

+3% cash back on dining, entertainment, streaming, and grocery stores
+8% cash back on Capital One Entertainment tickets
+No annual fee
+No foreign transaction fee for study abroad dining
+No category caps or quarterly activation required

Cons

−Only 1% back when using physical card (non-Apple Pay)
−Requires iPhone to apply and manage the card
−No sign-up bonus

Category-by-Category Winner

The Apple Card wins in 9 of 13 categories. The Capital One SavorOne Student Cash Rewards Credit Card leads in 4.

Apple

Apple Card earns 3X vs 1X

Select Merchants

Apple Card earns 3X vs 1X

Exxon

Apple Card earns 3X vs 1X

Mobil

Apple Card earns 3X vs 1X

Nike

Apple Card earns 3X vs 1X

Panera

Apple Card earns 3X vs 1X

Uber

Apple Card earns 3X vs 1X

Walgreens

Apple Card earns 3X vs 1X

Apple Pay

Apple Card earns 2X vs 1X

Dining

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Apple Card or Capital One SavorOne Student Cash Rewards Credit Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Apple Card or the Capital One SavorOne Student Cash Rewards Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Apple Card — Full Review All Goldman Sachs Cards

Capital One SavorOne Student Cash Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Goldman Sachs cards · Capital One cards

Apple Card vs Capital One SavorOne Student Cash Rewards Credit Card

Both cards cost $0/yr. The Apple Card is better for apple, while the Capital One SavorOne Student Cash Rewards Credit Card wins on capital one entertainment. Here's how they compare.

Apple Card

Goldman Sachs

No image

Capital One SavorOne Student Cash Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Apple Card	Capital One SavorOne Student Cash Rewards Credit Card
Apple	3X	1X
Dining	1X	3X
Entertainment	1X	3X
Exxon	3X	1X
Grocery Stores	1X	3X
Mobil	3X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee, no late fees, and no penalty APR
+Daily Cash deposited immediately rather than monthly
+3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
+2% back on all Apple Pay purchases
+No foreign transaction fees

+3% cash back on dining, entertainment, streaming, and grocery stores
+8% cash back on Capital One Entertainment tickets
+No annual fee
+No foreign transaction fee for study abroad dining
+No category caps or quarterly activation required

Cons

−Only 1% back when using physical card (non-Apple Pay)
−Requires iPhone to apply and manage the card
−No sign-up bonus

Category-by-Category Winner

The Apple Card wins in 9 of 13 categories. The Capital One SavorOne Student Cash Rewards Credit Card leads in 4.

Apple

Apple Card earns 3X vs 1X

Select Merchants

Apple Card earns 3X vs 1X

Exxon

Apple Card earns 3X vs 1X

Mobil

Apple Card earns 3X vs 1X

Nike

Apple Card earns 3X vs 1X

Panera

Apple Card earns 3X vs 1X

Uber

Apple Card earns 3X vs 1X

Walgreens

Apple Card earns 3X vs 1X

Apple Pay

Apple Card earns 2X vs 1X

Dining

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Apple Card or Capital One SavorOne Student Cash Rewards Credit Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Apple Card or the Capital One SavorOne Student Cash Rewards Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Apple Card — Full Review All Goldman Sachs Cards

Capital One SavorOne Student Cash Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Goldman Sachs cards · Capital One cards

−No travel-related benefits or protections

−Limited 3% merchant list compared to category cards

−Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
−Only 1% on non-bonus categories
−No intro APR offer
−No good grades bonus like Discover offers
−Higher cash advance APR (29.99%)

Entertainment

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Streaming

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Which Card Is Right for You?

Get the Capital One SavorOne Student Cash Rewards Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

−No travel-related benefits or protections

−Limited 3% merchant list compared to category cards

−Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
−Only 1% on non-bonus categories
−No intro APR offer
−No good grades bonus like Discover offers
−Higher cash advance APR (29.99%)

Entertainment

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Streaming

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Which Card Is Right for You?

Get the Capital One SavorOne Student Cash Rewards Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

−No travel-related benefits or protections

−Limited 3% merchant list compared to category cards

−Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
−Only 1% on non-bonus categories
−No intro APR offer
−No good grades bonus like Discover offers
−Higher cash advance APR (29.99%)

Entertainment

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Streaming

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Capital One SavorOne Student Cash Rewards Credit Card earns 3X vs 1X

Which Card Is Right for You?

Get the Capital One SavorOne Student Cash Rewards Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores