[Targeted] Discover: Earn 6% Cash Back On Grocery Store Purchases ($1,250 Spend)

Update: Some people have the same offer but for gas instead of grocery.

The Offer

No direct link to offer, sent out via e-mail. Unknown subject line

  • Discover is offering some cardholders 6% cash back on grocery store purchases, on up to $1,250 in purchases

The Fine Print

  • Valid until 12/31/21
  • Excludes purchases made at Walmart and Target

Our Verdict

Great deal if you can spend big on grocery stores. $1,250 limit is relatively generous as far as these offers go as well.

Hat tip to reader X W

Source: doctorofcredit.com

11 Best Browser Extensions to Save Money While Shopping Online

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Dig Deeper

Additional Resources

Americans are shopping online more than ever before. According to the United States Census Bureau, online retailers in the U.S. took in about $759 billion in 2020. That’s more than 13% of all retail sales in the country.

As we spend more online, we’ve become more interested in finding ways to save online. We use sites to compare prices across multiple sites and search for coupon codes that provide deals like discounts or free shipping. Tricks like that can save you money, but they take extra time — sometimes more than it’s worth to save a dollar or two.

Fortunately, there’s an easier way to save when you shop online. All you have to do is install a browser extension, a plug-in that extends the capabilities of a Web browser such as Chrome, Firefox, or Safari. But to leverage the online savings, you need to choose the best browser extension for your shopping needs. 

Several money-saving browser extensions can do the work of online bargain-hunting for you. Some compare prices, some find and apply coupon codes, and some help you cash in on cash-back deals. And the best of the bunch can do all three.

1. Capital One Shopping

The Capital One Shopping add-on is an online shopping assistant that uses real-time data from its millions of users to find you better deals. As more people use Capital One Shopping, it gets better at finding low prices and coupon codes that work.

Capital One Shopping combines several of the features of other browser add-ons in one. These include:

  • Price Checking. When you search for a product online or scan a bar code in a store, Capital One Shopping searches for better prices elsewhere. It displays all the prices it finds from Amazon sellers and other top retailers on a single page. 
  • Coupon Checking. When you add something to your online shopping cart, Capital One Shopping goes into coupon-checking mode. It checks multiple coupon codes to see which ones have worked for other Capital One Shopping users and automatically applies the one that gives you the bigger discount. 
  • Price Tracking. If you decide not to make a purchase, Capital One Shopping continues to track prices for the product. If it goes on sale, the app notifies you so you can jump on the bargain.
  • Shopping Rewards. Capital One Shopping also functions as a rewards app. When you shop through the extension, you earn rewards credits at its partner stores, including eBay and Walmart. You can cash in your credits for gift cards at these same stores at Capital One Shopping’s website.

Capital One Shopping is available for Chrome, Firefox, Microsoft Edge, and Safari. There’s also a Capital One Shopping mobile app for iOS and Android.

Read our Capital One Shopping review for more information.

Add Capital One Shopping Extention

Capital One Shopping compensates us when you sign up for Capital One Shopping using the links we provided.


2. Honey

Of all the money-saving extensions you can add to your browser, none get more rave reviews than Honey by PayPal. This free add-on saves you money in various ways:

  • Coupon Codes. Honey automatically seeks out promo codes for over 30,000 online retailers, including Amazon, Macy’s, Target, and even eateries such as Pizza Hut. The extension compares all the available codes for the site you’re shopping and automatically applies the one that gives you the biggest discount.
  • Amazon Price Comparison. When you shop on Amazon, Honey tells you which of the site’s many sellers offers the best final price on a product, including sales tax and shipping. If you’re an Amazon Prime member, Honey factors that in when calculating shipping costs.
  • Price History. Honey also tracks price changes on Amazon. It can show you how a product’s price has changed over the last 30, 60, 90, or 120 days. If you don’t like the current price, you can add the product to your Droplist and have Honey notify you when the price drops.
  • Cash Back. Shopping with Honey earns you cash back, or Honey Gold, at over 4,500 participating sites, including Macy’s, Groupon, and Walmart. Just click a browser button to activate your rewards, and Honey applies them while searching for coupons at checkout. You can cash in Honey Gold for gift cards from participating stores.
  • Referral Bonuses. You can also earn bonuses for referring your friends to Honey. You send them a link, and when they sign up and make their first purchase, you earn 500 Honey Gold — the equivalent of $5.

Honey works with Chrome, Edge, Firefox, Opera, and Safari browsers.

Honey also offers a rewards app for iOS versions 13 and up called the Honey Smart Shopping Assistant. Like the browser add-on, it can automatically find and apply coupon codes and deals, but it has an extra perk: You can access all your favorite stores at once through the app. That allows you to find the best deal and cash in without having to visit multiple sites.

Read our Honey review for more information.

Add Honey Extension


3. Rakuten Cash Back Button

The rewards site Rakuten (formerly known as Ebates) offers a browser extension called the Cash Back Button. It gives you access to both cash back and coupon codes at over 2,500 stores. 

The extension displays a pop-up message to tell you when there’s cash back available at a store you’re shopping. If there is, you can just click to activate it. Rakuten can even show you which sites have cash-back offers directly in your search results on Google, Yahoo, or Bing. You can compare cash-back offers across multiple stores and choose the best deal. 

The money you earn goes into your Rakuten account, and you can cash it in once per quarter for a check or PayPal credit. You can also choose to use the Cash Back for Change feature to donate some of your credit to charity. Rakuten rounds your check or credit down to the nearest dollar and divides the change among three worthy charities.

The Cash Back Button also seeks out coupon codes when you shop. Just click “Apply Coupon” at checkout, and the extension automatically applies the coupon or promo code that gives you the best discount. It can even let you know when there’s a Groupon offer available at a local business you search for on Yelp or Google Maps.

The Rakuten Cash Back Button is free to install. It’s available for Google Chrome, Safari, Firefox, and Microsoft Edge.

Read our Rakuten review for more information.

Add Rakuten Extension


4. CouponCabin Sidekick

CouponCabin Sidekick is a free browser extension from the rewards site CouponCabin. It has two primary features: coupon codes and cash-back offers.

To get cash back from CouponCabin Sidekick, you must log in to your CouponCabin account before shopping (you can’t receive cash back if you added a product to your cart before logging in). Click through from your account to one of CouponCabin’s 3,500 partner stores to see how much cash back you can earn there. 

There are a few limitations when shopping with Sidekick. You can’t earn cash back on orders through a store’s mobile app or those placed online and picked up in-store. You can’t use the extension with a firewall or ad-blocking software. And you can’t combine cash-back offers from Sidekick with any coupon that’s not from CouponCabin, even one from the store itself.

On the plus side, CouponCabin Sidekick lists the available offers both when you shop and when you search on Google. For instance, let’s say you’re searching for a DVD set. Right in your search results above the name of each store that offers the DVD set, the extension displays a little cabin icon showing what discounts and cash-back offers are available at that particular store.

CouponCabin Sidekick is available for Chrome, Edge, Firefox, and Safari.

Add CouponCabin Sidekick Extension


5. Ibotta

Ibotta, a popular mobile coupon app, is also now available as a Firefox or Chrome extension. To use the Ibotta extension, you must first set up an Ibotta account if you don’t already have one. The Ibotta extension requires you to log in to your account before shopping to earn rewards. 

It works with over 1,000 online retailers, including Overstock, Petco, and Bed Bath & Beyond. When you purchase through one of these sites, the app displays a button showing how much cash back you can earn. Click it to activate rewards, then shop and pay as usual.

This browser add-on also works with online grocery delivery services like Instacart. When you shop through these services, the extension highlights cash-back offers with a pink box around the cash-back-eligible product. Click to buy, and the cash shows up in your Ibotta account within 24 hours. 

As soon as you have at least $20 in your account, you can log into the Ibotta app on your mobile device to cash in your earnings. You can opt for a bank transfer, PayPal deposit, or gift card.

Reach out Ibotta review for more information.

Add Ibotta Extension


6. Earny

If you like lotteries and sweepstakes, Earny is for you. This Chrome extension earns you cash back on your online purchases and enters you into a prize drawing with every action you take on the app. The more tickets you earn, the higher your chances of winning prizes such as cash, prepaid Visa cards, and free Amazon gift cards.

Other features of Earny include:

  • Cash back on up to 5,000 brands
  • Extra cash back when you share links with friends
  • Price tracking and price drop alerts for goods on your Amazon wish lists
  • Up to 90 days of price protection on purchases at more than 15 major retailers
  • Notifications when an Amazon package arrives late so you can request compensation

Add Earny Extension


7. The Camelizer

Frequent Amazon shoppers already know about the website CamelCamelCamel, which tracks the prices of millions of Amazon products over time. Since prices on Amazon change daily (sometimes even minute by minute), being able to see a product’s price history helps you figure out whether the current price is a good deal or not. 

CamelCamelCamel also offers a free browser extension called The Camelizer for Chrome, Edge, Firefox, Opera, and Safari. This add-on lets you see a product’s price history directly from Amazon without having to visit a separate page. And like the website, it can also import your Amazon wish list and alert you when the price of any product on it drops.

Currently, The Camelizer only tracks Amazon prices. But it has covered a couple of other retailers in the past and could do so again in the future.

Add The Camelizer Extension


The free PriceBlink extension for Chrome, Firefox, and Safari helps you find the best price for a product. But instead of tracking prices over time on just one site like The Camelizer does, PriceBlink compares prices across thousands of sites and lets you know when there’s a better deal elsewhere.

For instance, let’s say you’re looking at a pair of boots Amazon sells for $100. PriceBlink recognizes the brand and style and instantly searches more than 4,000 other sites to see if any other retailer carries the same boots for less. If it finds one, the lower price pops up on the PriceBlink toolbar, and you can simply click to view the listing.

PriceBlink can also help you find coupon codes. When you visit a retail site, the PriceBlink toolbar shows you a list of the best coupons available on that site. Click on an offer to copy the coupon code to your clipboard. Then, paste it into the appropriate field at checkout. 

If you’re not sure what product you want to buy, PriceBlink can help you there too. When looking at a product on a retail site, you can click “Ratings” in the PriceBlink toolbar to see how users rated the product on other sites. That gives you a better overall picture of users’ opinions than the ratings on just one site.

If that sounds like a lot of information to have cluttering up your screen, don’t worry. The PriceBlink toolbar stays hidden most of the time and only pops up when it finds you a deal on a particular product you’re viewing.

Add PriceBlink Extension


9. Fakespot

Comparing online product reviews through PriceBlink is handy, but there’s one problem: You can’t be sure those reviews are authentic. Sometimes, sellers on Amazon and other sites hire people to post good reviews for their products. You can’t always tell if a product has a 5-star overall rating because it’s a fantastic product or because the company paid lots of people to say it is.

That’s where Fakespot comes in. This free plug-in for Firefox or Chrome (also available as an iOS or Android app) analyzes reviews on Amazon, Walmart, Best Buy, TripAdvisor, Sephora, Steam, or Yelp. It looks for suspicious patterns that suggest the reviews are fake. It then gives the product a grade from A to F to indicate how trustworthy the reviews are. 

If you want, you can click on this grade to see a more detailed analysis showing which phrases reviewers are using most often and what percentage of the reviews appear to be legit. It also highlights the most important points made in the legitimate reviews. 

Fakespot also checks ratings for eBay and third-party sellers on Amazon. If the reviews suggest a seller is unreliable, the extension recommends an alternative seller for the same product. 

Fakespot has several options to make it easier to use. For example, it can show Fakespot grades on Amazon product pages and listing pages so you can simply skip over products with a bunch of bogus reviews. It can also sort and filter Google search results based on Fakespot grades. But you can turn these features off if you don’t want to use them.

To use Fakespot, you must either have a Google account or create a Fakespot account. If you choose the latter option, Fakespot tracks your product searches and sends you product updates and offers from its partners.

Add PriceBlink Extension


10. InvisibleHand

InvisibleHand compares prices when you shop and links to the lowest price on a product you’re viewing. But InvisibleHand works with fewer retailers than PriceBlink: Sears, Lowe’s, Best Buy, and Newegg.

The primary use of InvisibleHand is for finding travel deals. When you search for flights on an airline’s website, InvisibleHand lets you know if there’s a cheaper flight available to the same destination and gives you a link directly to the lowest price. It can also find deals on hotels and rental cars.

Another unique feature of InvisibleHand is that it can find hidden prices on retail sites. Some retailers don’t reveal the price of merchandise until you put it in your shopping cart. Typically, they do that because they’re not allowed to advertise the product for less than a certain minimum price. InvisibleHand gets around that limitation, ferreting out and showing you the real price of the product.

InvisibleHand is available for Chrome, Firefox, and Edge.

Add InvisibleHand Extension


11. Piggy

The Piggy extension for Chrome, Firefox, and Safari is primarily a coupon finder. It works with thousands of online stores, including major retailers like Macy’s and Walmart, hotel chains like Hilton, car rental services like Hertz, and deal sites like Groupon. When you shop on these sites, Piggy seeks out and tests every coupon code available for that site and applies the one that gives you the most savings.

However, Piggy has a perk other coupon apps don’t have: It can find you special deals at hotels, including rates hotels haven’t officially published online. That makes Piggy an excellent choice for frequent travelers.

Piggy also has a cash-back feature. In addition to looking for coupons when you check out, it lets you earn cash back at more than 6,000 stores. When the earnings in your Piggy account reach $25, it automatically sends you a check.

Add Piggy Extension


Final Word

Each of these browser extensions can save you money on its own. However, there’s no need to limit yourself to just one. 

For instance, if you’re shopping on Amazon, you can use Fakespot to see if the reviews are legit. If it looks good, you can consult The Camelizer to see how Amazon’s price for the product looks today and whether you should wait for a better deal. And finally, you can check PriceBlink to see if there’s a better price available on another site.

Even when two different add-ons have similar benefits — for instance, finding coupon codes and cash-back offers — it can’t hurt to have both installed. The list of retail sites that work with Honey isn’t necessarily identical to the list for Rakuten or CouponCabin Sidekick, so installing all three increases your chances of finding a deal. 

You can’t earn cash back from more than one extension for the same purchase. However, you can sometimes use a coupon code from one and earn cash back from another. By having an assortment of browser add-ons to choose from, you can ensure you always get the best possible combination of deals.

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Source: moneycrashers.com

​18 Deal Sites and Tools for Finding Online Shopping Bargains

Those deep discounts you’re seeking while shopping online could be eluding you if you’re not comparison shopping. But racing around the internet looking for the lowest price could be a dive down a rabbit hole, a time suck, especially when time isn’t on your side. You need that bargain right now.

We surveyed smart shopping experts and evaluated a variety of deal sites and online shopping tools ourselves to identify these 18 sure-fire ways to save money every time you shop online.

If shopping for discounts is as exciting to you as shopping for clothes or gadgets themselves, consider visiting some of our favorite deal sites to search for special offers yourself.

Or let a browser extension do the work for you. They can speed through the web hunting for deals on laptops, clothing, household items, jewelry and more in a matter of seconds. (All the recommended browser extensions here are free and available on Chrome, Firefox and Safari.)

Take a look.

Best Site to Find Free Shipping Deals

When shopping online, finding a great deal gets even sweeter when you can score free shipping, too, a perk Amazon Prime forged into a mainstay of internet shopping. But trying to track down promo codes that actually work, as well as retailers that offer the perk, can be frustrating if you don’t know where to look. Skip hopping from site to site and check out FreeShipping org. It’s a web site that aggregates all of the retailers — big and small — that offer free shipping and other discounts to customers. The site includes the terms and conditions of the free shipping deal and the promo code, where applicable. For example, a recent promotion we found on the site for Lands’ End included 40% off full-price styles plus free shipping when using the discount code BRIGHT.

Best Sites and Browser Extensions for Price Comparisons

Save yourself the hassle of digging into multiple websites to find the best price on items you’re buying online. Consumer savings expert Andrea Woroch recommends the browser extension Popcart, which sends a pop-up notification any time a product you’re looking at is cheaper on a competitor site. In addition to retail price comparisons, the browser extension also compares unit prices on items (check out this video to see how).

Woroch also digs deal aggregator site CouponFollow.com. It organize coupons by store name to help shoppers pinpoint the best deal quickly. 

You probably already buy a lot at Amazon.com. Should it be even more? Install the Amazon Assistant browser extension, says smart shopping expert Trae Bodge of TrueTrae.com, to see how Amazon’s prices stack up as you shop products on competing sites. See how it works here.

Best Deal Sites and Browser Extensions for Coupons and Promo Codes

Our sources recommend CouponCabin.com for its vast collection of online promo codes and printable coupons that can be used in-store. Consumers can find deals from online and brick-and-mortar retailers such as Nike, Overstock.com and Target. The site also maintains a list of retailers’ active cashback offers. Savvy shoppers might even be able to combine coupon codes and cashback offers to maximize savings, says TrueTrae.com’s Trae Bodge.

The Honey browser extension helps save shoppers time and money by doing all the work, says Kyle James, founder of Rather-Be-Shopping.com. After registering for the site and downloading the extension, you’ll see a Honey widget appear when you check out at any participating retailer. The widget searches the web for all relevant promo codes and applies the one with the biggest savings to your order. A note to Amazon loyalists: If you’re searching for a specific product, this browser extension will track down the lowest price among Amazon sellers offering the same item and notify you. It even factors in shipping costs before selecting the best seller. Watch this YouTube clip for a tutorial on how to install and use Honey.

Next time you go on an online spending spree, consider using Cently, recommends consumer savings expert Woroch. It’s a browser extension that automatically searches for coupon codes while you shop, tests them and applies the one with the biggest savings to your order. You can even score cashback on your purchases when using Cently. Unlike similar extensions, you don’t have to divulge your personal information by becoming a registered user. Watch this video to see how it works.

Best Site for Daily Deals

DealNews.com is a go-to resource for the retail experts here at Kiplinger. The site offers a curated selection of product deals — ranging from electronics to home goods — that gets updated daily. Bargain hunters can also find smart shopping tips on the site’s blog. Some recent topics include a list of the retailers with the best customer rewards programs, as well as determining when is the best time of year to buy a smart phone. Also, we often call on DealNews experts during the holiday shopping season for advice on where to find the best Black Friday sales.

Best Sites for Deals on Travel

If you’re planning to travel during the pandemic, you can still take advantage of historically low prices on airfare and hotel packages. To find the best travel deals, we often recommend these three sites to help get the most value for your money:

Best Sites for Deals on Gift Cards

No matter if you’re buying a gift card as a present or purchasing one for yourself (to prevent overspending), you can always find them at a lower price through an online gift card exchange site compared to buying direct from the retailer or at retail displays of gift cards in supermarkets. Try these two:

  • GiftDeals (formerly CardPool) offers discounted gift cards from the likes of Best Buy, Nordstrom and Patagonia for up to 35% off face-value. For example, we spotted a $25 Fandango gift card selling for $18.76 — that’s 25% off. The cards available on GiftDeals have no expiration date, no fees and come with a 60-day purchase guarantee of validity. The site says it does this to encourage buyers to use the cards sooner rather than later.
  • GiftCardGranny is another gift card exchange site worth a look thanks to its vast selection and cashback rewards, says TrueTrae.com’s Bodge. You can earn cashback by purchasing select gift cards (think: Lowe’s, Uber Eats and Apple’s App Store) and then redeem the rewards for a direct payout or free gift cards once you’ve earned at least $5 in rewards. In addition to big name retailers, you can also find gift cards for local businesses based on the zip code you enter into the search field.

Also, if you’re a warehouse club member (think Costco), you may be able to pick up gift cards at a discount price in-store or online.

Best Apps and Browser Extensions for Cash-Back Rebates

We’ve previously written about browser extension Rakuten (formerly known as Ebates) and why you should take advantage of its rebate offers while shopping online. Once you’ve downloaded the browser extension, sign up for a Rakuten account. After you’ve registered, you’ll gain access to 2,500 online retailers where you can earn up to 40% in cashback rewards. Participating stores include Nordstrom, Kohl’s and Best Buy. You can also find travel and vacation deals from Expedia, Priceline, Orbitz and VRBO where you can earn as much as 5% cashback after booking your travel arrangements. Rakuten even has a blog with helpful tips on how to get the most bang for your buck (and maximize cashback rewards) when shopping on partner sites. 

If you frequently shop using a smart phone, consider downloading a mobile app such as Ibotta that lets you earn cashback on everyday purchases, suggests Rather-Be-Shopping.com’s James. You can score money back on everything from grocery items to pet supplies purchased through the app, which requires linking a credit or debit card to your Ibotta account.

“You can even supercharge your cash back earnings by using your cash back card with a cash back payment app — you will earn 4% cash back every time you pay using the Slide with one of their partner stores,” says Woroch. “Since payments are ultimately processed through a linked credit card, you will get double the rewards just like that.”

Best Sites for Deals on Insurance

Don’t limit your comparison-shopping to traditional retail purchases such as clothes, electronics and household goods. You can even use online sites and tools to help score the best rates on insurance policies. One such site we recommend at Kiplinger is Policygenius.com (listen to our Your Money’s Worth podcast episode with the company’s co-founder and CEO), where you can get price quotes for a range of policies including life, homeowners, auto and renters insurance.

If you need life or long-term care insurance, consider using AccuQuote.com. You’ll have to cough up your contact information so an agent can follow-up with you directly at a later date, but you’ll immediately receive a list of insurers that match your profile and estimated monthly premiums for each plan. For help on selecting the right life insurance plan, see our story How to Shop for Life Insurance.

Source: kiplinger.com

[Update $100 Bonus] Comenity Orbitz To Be Discontinued On October 4, 2021

Update 10/11/21: Reader T sent in that in the mailer with the new replacement card there’s an offer to get $100 with $500 spend by January 5, 2022. They also note that the new card gets 3% cash back on travel and gas.

Original Post:

Comenity has sent out letters to existing Comenity Orbitz cardholders informing them that partnership is ending October 4, 2021 and their Orbitz cards will be replaced with a Comenity Mastercard account with Comenity Bank. The important dates are as follows:

  • You can continue using existing card until October 3, 2021
  • Existing balances will be automatically transferred to the new card.
  • Remaining Orbucks on your account as of October 3, 2021 will be transferred to your Orbitz account.
  • Orbitz Platinum status will be valid through March 2023
  • You can start using the new Comenity Mastercard starting October 5, 2021

Source: doctorofcredit.com

American Express Blue Cash Preferred $350 Bonus

The Offer

Direct link to offer

  • Blue Cash Preferred is offering a bonus of $350 after $3,000 in spend within the first six months

Card Details

  • Annual fee of $95 waived first year
  • Card earns at the following rates:
    • 6% cash back at U.S. supermarkets (up to $6,000 in spend annually, then 1%)
    • 6% cash back on select U.S. streaming subscriptions
    • 3% cash back at U.S. gas stations
    • 3% cash back on transit (e.g taxis/rideshare, parking, tolls, trains, buses and more)
    • 1% back on all other purchases
  • You can only get the sign up bonus on American Express cards once

Our Verdict

The best straight bonus on this card before was $300, but there was a $200 + $200 (20% back on Amazon) offered and home furnishing up to $500. This is a good deal if you just want a straight cash offer. We will add this to our list of the best credit card bonuses. There is also a $250 bonus on the everyday card, but not worth considering as there was previously a $350 deal.

Hat tip to Chase-ing UR points

Source: doctorofcredit.com

Capital One SavorOne Rewards for Students Card Review

At a glance

Capital One Savorone Student Cash Rewards

Our rating

  • Early Spend Bonus (Sign-Up Bonus): None
  • Rewards: Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and spending at grocery stores; earn unlimited 1% cash back on all other eligible purchases
  • Benefits: Extended warranties on eligible purchases with existing manufacturers’ warranties, complimentary travel accident coverage, access to premier culinary events and sports experiences, and free TransUnion® or Experian® credit report alerts through CreditWise
  • Fees: No foreign transaction fees
  • Annual Fee: $0
  • Introductory APR: None
  • Credit Limits: Low/Medium
  • Credit Required: Fair

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Dig Deeper

Additional Resources

The Capital One SavorOne Rewards for Students card is a student credit card with a generous cash-back rewards program that favors spending in four broad categories: dining, entertainment, popular streaming services, and grocery stores. All eligible purchases in those favored categories earn unlimited 3% cash back.

SavorOne Rewards for Students is closely modeled after the Capital One SavorOne Rewards Card, a near carbon-copy that’s marketed to general audiences. SavorOne Rewards for Students is designed exclusively for college students or soon-to-be students at four-year colleges and universities, community colleges, and other qualifying higher education institutions.

SavorOne Rewards for Students has relaxed underwriting standards, making it appropriate for applicants with fair credit — although not new-to-credit applicants and those with bad credit scores. It’s therefore a great tool for young people (and the young-at-heart) to build credit with responsible use and (hopefully) graduate to a more generous cash-back card.

Key Features

Compared with other student credit cards, the Capital One SavorOne Rewards for Students card has some notable features. These include an above-average cash-back rewards program and access to the Capital One Shopping app, a potential money-saver for online shoppers.

Earning Cash-Back Rewards

The Capital One SavorOne Rewards for Students card earns unlimited 3% cash back in the following purchase categories:

  • Dining
  • Entertainment
  • Popular streaming services like Netflix and Amazon Prime Video
  • Grocery stores

All other eligible purchases earn unlimited 1% cash back, with one exception. Eligible purchases of entertainment tickets with Vivid Seats earn an 8% cash-back rewards rate.

Redeeming Cash-Back Rewards

You can redeem your accumulated cash-back rewards in any amount and at any time for:

  • General statement credits to reduce your account balance
  • Targeted statement credits against specific prior purchases
  • A paper check mailed to your billing address
  • Credits against eligible purchases made with PayPal
  • Gift cards offered by participating Capital One partner merchants

Additional Card Benefits and Perks

The Capital One SavorOne Rewards for Students card has some additional card benefits and perks worth noting:

  • Extended warranties on eligible items that come with manufacturers’ warranties or store warranties
  • Complimentary travel accident insurance (subject to coverage limits and exclusions)
  • Fraud protection features, including the ability to lock a misplaced card (card lock) and virtual card numbers that reduce the risk of card number theft when you shop online
  • Complimentary access to the Capital One Shopping browser plugin, which can help you find a lower price when you shop online
  • Complimentary concierge service when you shop, dine, or travel, 24 hours a day
  • 24/7 travel assistance and emergency cash advance service if your card is lost or stolen

These benefits are subject to change at Capital One’s discretion and may be subject to terms and limitations.

Important Fees

This card has no annual fee or foreign transaction fees, meaning purchases made overseas or online with international merchants do not incur currency exchange or transaction charges. See terms and conditions for information about balance transfer fees and cash advance fees.

Credit Required

SavorOne for Students is appropriate for applicants with fair credit. It is not suitable for applicants with poor credit (bad credit scores), nor for new-to-credit applicants and those with limited credit history. It’s therefore not suitable for international students arriving in the U.S. for the first time.

Capital One reports payment and credit utilization information to the three major credit reporting bureaus, giving cardholders an opportunity (but not a guarantee) to increase their FICO credit scores and build credit over time.

SavorOne for Students cards generally carry modest credit lines. However, you may become eligible to apply for a credit line increase when you demonstrate responsible credit use and timely payments over a period of months or years.


Advantages

The Capital One SavorOne Rewards for Students card has some notable advantages, including broad, student-friendly 3% cash-back categories and relaxed underwriting standards that draw in applicants with less-than-perfect credit.

  1. Unlimited 3% Cash Back on Dining, Entertainment, Grocery Store, and Popular Streaming Service Purchases. The Capital One SavorOne Rewards for Students card offers an unlimited 3% cash-back rate in four student-friendly spending categories. The grocery stores category is great for commuter students and those living off-campus at residential universities. The dining category includes takeout and delivery, a nod to students who’d prefer to eat in. And the entertainment and streaming services category encompass both in-person events and at-home amusement. Best of all, no other student credit card can match SavorOne’s return on spending in these specific categories.
  2. Excellent Return on Purchases With Vivid Seats. SavorOne Rewards for Students earns an even better return on eligible purchases with Vivid Seats: 8% cash back. While this category isn’t quite as broad as the four 3% categories, it’s still a strong incentive to use this card for qualifying expenditures.
  3. No Foreign Transaction Fees or Annual Fee. SavorOne Rewards for Students omits the annual fee, meaning it won’t cost you a dime to keep it in your wallet. It also waives foreign transaction fees, which penalize students who study abroad. Both choices are very good news to budget-conscious students.
  4. Open to Applicants With Less-Than-Perfect Credit. SavorOne Rewards for Students accepts applicants with fair credit, although not poor, limited, or nonexistent credit. Still, this is a welcome contrast to premium cash-back cards — and even some picky student cards — that require good or excellent credit history.
  5. Nice Lineup of Fringe Benefits. SavorOne Rewards for Students has an unusually generous lineup of fringe benefits not directly related to its cash-back program. These include travel accident insurance, 24/7 travel emergency services, extended warranties on eligible purchases, a card lock feature and other fraud prevention measures, and more. Whether any one of these benefits is the deciding factor in your choice to apply or not apply for this card, they certainly make it more appealing at the margins.

Disadvantages

The Capital One SavorOne Rewards for Students card does have some downsides, including no welcome bonus or intro APR promotion, no leeway for new-to-credit applicants, and modest cash-back earnings outside the favored 3% and 8% categories.

  1. No Early Spend Bonus (Sign-Up Bonus). Capital One SavorOne Rewards for Students does not have an early spend bonus (also known as a sign-up bonus or welcome bonus) for new cardholders. This is a letdown for new cardholders eager to juice their earnings right after account opening.
  2. No Introductory APR Promotion. SavorOne Rewards for Students doesn’t have an intro APR promotion for new cardholders either. If you’re hoping to transfer a high-interest balance from another card or finance a major purchase (course materials, for example) without incurring interest, you’ll need to look elsewhere.
  3. Not Appropriate for New-to-Credit Applicants. SavorOne Rewards for Students is not appropriate for applicants without U.S. credit scores. Although it’s an acceptable first credit card for people who’ve built credit by other means, it’s not suitable for international students who haven’t previously lived in the United States, nor for U.S. nationals with no credit history.
  4. Low Baseline Cash-Back Rate. This card’s 1% cash-back baseline rewards rate is mediocre by the standards of competing flat-rate cards that offer 1.5% or 2% back on all eligible spending.

Final Word

The Capital One SavorOne Rewards for Students card is a very good credit card — one of the best credit cards for students, in fact. If you’re enrolled in or soon plan to enroll in a higher education program and need a credit-building spending aid to see you through, it should be on your shortlist of credit cards to consider.

Whether SavorOne Rewards for Students ends up being the ideal choice for you depends on whether you find anything more to like about any of the other top student credit cards around.

If you’re new to the credit card world, your decision may turn on your credit score and credit history as well. Student applicants with truly impaired credit may need to start with a credit card for bad credit. And those with no credit history at all might need to fall back on a starter card that doesn’t consider credit history (or lack thereof) during underwriting.

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The Verdict

Capital One Savorone Student Cash Rewards

Our rating

The Capital One SavorOne Rewards for Students card is one of the best student credit cards on the market today. With a generous cash-back program that earns unlimited 3% cash back in four student-friendly spending categories and a relaxed underwriting process, it’s a great option to make the financial side of student life a bit more manageable.

Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Source: moneycrashers.com