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Capital One Savor Student vs Ink Business Unlimited: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- The Capital One Savor Student Cash Rewards is a strong choice for students who spend regularly on dining, entertainment, popular streaming services, and at grocery stores.
- The Ink Business Unlimited® Credit Card is perfect for business owners with diverse expenses that don't fall into specific spending categories.
Capital One Savor Student Cash Rewards Breakdown
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Why We Like It
Here’s a closer look at why the Capital One Savor Student Cash Rewards card stands out.
- It offers generous cash back rewards on categories highly relevant to a student's lifestyle, like dining and entertainment.
- The Capital One Savor Student Cash Rewards Credit Card is specifically designed for students, offering credit-building tools and accepting applications from international students.
- With no annual fee and no foreign transaction fees, it's a budget-conscious choice for students, whether at home or studying abroad.
Pros
- Offers generous cash back rewards on popular spending categories for students, including dining, entertainment, and select streaming services.
- Includes valuable credit-building tools, such as automatic credit line reviews and access to credit monitoring services.
- Provides access to exclusive entertainment experiences and enhanced security with virtual card numbers for online shopping.
Cons
- May have stricter credit requirements than some other student cards, making it less accessible for those with a limited credit history.
- A fee applies for balance transfers, which is a consideration for students looking to consolidate debt.
- Bonus rewards on grocery store purchases exclude superstores, and reward redemption options can be limited through the Capital One Travel portal.
Ink Business Unlimited® Breakdown
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Why We Like It
Here are a few of the top reasons we like the Ink Business Unlimited® Credit Card.
- It offers a straightforward, flat-rate rewards structure on every business purchase, eliminating the need to track spending categories.
- There's no annual fee, making it a cost-effective choice for businesses of all sizes, from side hustles to established companies.
- The card also comes packed with valuable business protections and the ability to add employee cards at no additional cost.
Pros
- Comes with valuable protections for business owners, including coverage for cell phones, eligible purchases, and extended warranties.
- Rewards can be pooled with premium Chase cards, unlocking more flexible and potentially more valuable redemption options like travel transfers.
Cons
- It's not ideal for international travel or purchases, as it charges foreign transaction fees.
- To unlock the full potential of your rewards, you'll need to pair this card with a premium Chase travel card.
- The card is subject to application restrictions that can affect eligibility based on how many credit cards you've recently opened.
Ink Business Unlimited® vs Capital One Savor Student Cash Rewards
Categories
Deciding which is better, Capital One Savor Student or Ink Business Unlimited, comes down to your primary spending style.
- Capital One Savor Student Cash Rewards Credit Card: This card is best for students who spend frequently on dining, entertainment, popular streaming services, and at grocery stores.
- Ink Business Unlimited® Credit Card: This card is ideal for business owners who prefer a simple, flat-rate reward on all business expenses, regardless of the spending category.
Redemption
Capital One Savor Student Cash Rewards Credit Card: Cash back earned with this card can be redeemed in several straightforward ways, such as for a statement credit or a check.
Ink Business Unlimited® Credit Card: Rewards are earned as points that can be redeemed for cash back, gift cards, or travel through the Chase Ultimate Rewards® portal.
Compare Top Rated Credit Cards with Kudos
To find the best card for your specific spending habits, a tool like Kudos can provide personalized, data-driven recommendations by comparing thousands of cards.
- Test drive credit cards using your real spending data to see personalized earnings projections before you apply.
- Receive detailed approval odds analysis based on your credit report.
- Get a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
- Unlock rewards like the $100 Kudos Kickstart+ for adding select approved cards to your Kudos Wallet.
- Earn Kudos Boost rewards when you shop at your favorite stores.
- Track your spending, monitor your credit score, and get actionable insights all in one place.
Who Should Choose the Capital One Savor Student Cash Rewards?
The Capital One Savor Student Cash Rewards card is an excellent choice for college students looking to build their credit history while earning cash back on daily expenses. It’s particularly well-suited for those who frequently spend on dining, entertainment, popular streaming services, and at grocery stores. Students who travel will also find value in the card’s lack of foreign transaction fees and bonus rewards on travel booked through Capital One.
Who Should Choose the Ink Business Unlimited®?
The Ink Business Unlimited® Credit Card is an excellent choice for small business owners, sole proprietors, and freelancers who value simplicity and straightforward rewards. It's particularly well-suited for businesses whose expenses don't fall neatly into specific bonus categories, allowing them to earn a consistent 1.5% cash back on every purchase. With no annual fee and the ability to add employee cards at no extra cost, it's also a practical tool for managing team spending and separating business finances from personal ones.
Alternatives to Consider
If this Capital One Savor Student vs. Ink Business Unlimited comparison has you convinced that neither the Capital One Savor Student Cash Rewards nor the Ink Business Unlimited® is the right card for you, let's look at a few alternatives. Other cards on the market offer different benefits that might be a better match for your spending style.
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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 rewards cards require a good to excellent credit history for approval.
- Review your income and spending.Issuers will need to verify you can handle the monthly payments before approving you.
- Know the issuer's rules.Be aware of any application restrictions, like Chase's 5/24 rule, that could affect your eligibility.
Application Strategy
- Target the right card type.Some cards are designed for specific groups, like students or business owners.
- Plan for the welcome offer.Ensure you can meet the minimum spending requirement without overextending your budget.
- Don't get discouraged by a denial.You can often call the issuer's reconsideration line to provide more context.
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 apply for the Chase Ink Business Unlimited® if I don't have a formal business?
Yes, you can often apply for business credit cards like the Chase Ink Business Unlimited® as a sole proprietor using your Social Security Number. This can include freelancers, gig workers, or individuals with a side hustle.
What happens to my Capital One SavorOne Student card after I graduate?
After you graduate, you can typically continue using your Capital One SavorOne Student card as usual. Capital One may also offer you an opportunity to upgrade to a non-student version of the card, potentially with enhanced benefits.
Do either of these cards have an annual fee?
No, both the Capital One SavorOne Student Cash Rewards Credit Card and the Chase Ink Business Unlimited® Credit Card are attractive options because neither charges an annual fee.
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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.
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