Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
Capital One Savor Student vs Ink Business Cash: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- The Capital One Savor Student Cash Rewards card is ideal for students who frequently spend on dining, entertainment, popular streaming services, and at grocery stores.
- The Ink Business Cash® card is designed for small businesses with significant spending at office supply stores, on internet, cable, and phone services, and at gas stations and restaurants.
Capital One Savor Student Cash Rewards Breakdown
[[ SINGLE_CARD * {"id": "3054", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Students", "headerHint" : "Cash Back Perks" } ]]
Why We Like It
Here’s a closer look at why we think this card is a great option for students.
- The Capital One Savor Student Cash Rewards Credit Card offers strong cash back rewards on categories that are popular with students, like dining and entertainment.
- It's designed with students in mind, offering features that help build credit responsibly without an annual fee.
- Cardholders get access to unique perks like an early spend bonus and exclusive entertainment experiences.
Pros
- Features a rewards structure that aligns with typical student spending habits, including dining, entertainment, and popular streaming services.
- Provides several tools and features designed to help students build their credit history, such as automatic credit line reviews and free credit monitoring.
- Includes valuable perks not always found on student cards, such as access to exclusive entertainment events and virtual card numbers for secure online shopping.
Cons
- It may be difficult to qualify for if you have a limited or fair credit history.
- Bonus rewards on groceries exclude some superstores, and travel redemptions are restricted to the Capital One portal.
- A balance transfer fee applies to balances transferred at a promotional rate.
Ink Business Cash® Breakdown
[[ SINGLE_CARD * {"id": "1099", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Small Business Owners", "headerHint" : "Maximize Cash Back" } ]]
Why We Like It
Here’s a closer look at why we think the Ink Business Cash® Credit Card is a top choice for many business owners.
- It offers strong cash back rewards on categories where many small businesses spend the most.
- The Ink Business Cash® Credit Card helps keep costs down with no annual fee and employee cards at no extra cost.
- Cardholders get access to a valuable welcome bonus and a solid set of purchase protections.
Pros
- Offers flexible reward redemption options, including cash back, gift cards, and travel.
- Allows you to issue employee cards with individual spending limits to better manage team expenses.
- Includes valuable cardholder protections like extended warranty on eligible purchases and primary auto rental coverage for business rentals.
Cons
- Bonus cash back categories have annual spending limits.
- It’s not ideal for international use, as it charges foreign transaction fees.
- To transfer points to travel partners, you must also hold a premium Chase card.
Ink Business Cash® vs Capital One Savor Student Cash Rewards
Categories
When deciding between these two cards, the answer to which is better Capital One Savor Student or Ink Business Cash depends entirely on your primary spending habits.
- Capital One Savor Student Cash Rewards Credit Card is best for students who frequently spend on dining, entertainment, and at grocery stores.
- Ink Business Cash® Credit Card is ideal for small business owners with significant expenses at office supply stores or on internet, cable, and phone services.
Redemption
Capital One Savor Student Cash Rewards Credit Card: Redemption is simple and direct, allowing you to receive your cash back rewards as a statement credit or a check.
Ink Business Cash® Credit Card: This card provides more versatile redemption options, as points can be converted to cash back, gift cards, or used for travel through the Chase Ultimate Rewards® program.
Compare Top Rated Credit Cards with Kudos
For a more personalized approach, a tool like Kudos allows you to compare thousands of credit cards using your own spending data to find the perfect match.
- Test drive a credit card: The platform’s “Test Drive” feature simulates your potential earnings with a new card by analyzing your actual transaction history, giving you a personalized rewards projection before you apply.
- Get detailed approval odds: Kudos provides an in-depth analysis of your approval odds based on your credit report.
- Unlock exclusive offers: Members get access to special promotions, a welcome offer guarantee, and the Kudos Kickstart+ program, which can provide extra rewards for adding new cards.
- Earn extra rewards: With Kudos Boost, you can earn additional rewards on top of your credit card points when shopping at participating stores.
Who Should Choose the Capital One Savor Student Cash Rewards?
The Capital One Savor Student Cash Rewards card is designed for enrolled college students, with at least a fair credit score, who want to build their credit profile while earning cash back. It's particularly valuable for those whose spending is concentrated on dining, entertainment, popular streaming services, and grocery stores, as it offers unlimited 3% cash back in these areas. Additionally, its lack of an annual fee or foreign transaction fees makes it a strong option for students on a budget and those studying abroad.
Who Should Choose the Ink Business Cash®?
The Ink Business Cash® Credit Card is a strong contender for small business owners, freelancers, and sole proprietorships. It's particularly well-suited for businesses that have significant expenses in specific categories, such as office supplies and internet, cable, or phone services, allowing them to maximize rewards on everyday operations. With no annual fee and the ability to add employee cards at no extra cost, it's an excellent choice for those looking to earn straightforward cash back without complex fee structures.
Alternatives to Consider
If the Capital One Savor Student vs. Ink Business Cash® comparison has left you undecided, don't worry. There are plenty of other excellent rewards cards on the market that might be a better match for your spending habits.
[[ COMPARE_CARD * {"ids": ["509", "118"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Exceptional Value", "Generous Travel Rewards"]} ]]
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Tips for Application Success
Before You Apply
- Check your credit score – most cards require at least a fair to good credit history for approval.
- Verify card requirements – ensure you meet specific criteria, such as being a student or a business owner.
- Plan your spending – make sure you can naturally meet any minimum spend requirements for a welcome offer.
Application Strategy
- Time your application strategically – apply before a large planned purchase to help meet spending requirements for a welcome offer.
- Leverage existing relationships – having a prior relationship with a card issuer, such as for a business card, can sometimes improve your approval odds.
- Be prepared with documentation – some cards require specific information, like proof of student enrollment or business details.
Our Methodology
We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.
Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.
Frequently Asked Questions
Can I get a business credit card without a formal business?
Yes, you can often qualify for a business credit card as a sole proprietor using your Social Security Number, which is common for freelancers or gig workers. Issuers will typically review your personal income and credit history in addition to any business revenue.
What are the annual fees for these cards?
Neither the Capital One SavorOne Student Cash Rewards Credit Card nor the Ink Business Cash® Credit Card has an annual fee. It's always a good practice to confirm the latest terms before you apply.
Do I need good credit to apply for the Savor Student or Ink Business Cash?
The Capital One SavorOne Student card is designed for those building credit, so you may qualify with a fair or limited credit history. The Ink Business Cash generally requires a good to excellent credit score for the best approval odds.
Unlock your extra benefits when you become a Kudos member
Turn your online shopping into even more rewards
Join over 400,000 members simplifying their finances
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
.webp)
