Key facts
It’s rare to find a credit card with no annual fee that delivers more than 2% cash back, but the Savor does just that. Earn cash rewards on a variety of bonus categories.
(Note: This card was previously known as the SavorOne card and has been rebranded to Savor.)
Annual Fee:
$0Min. Credit Score for Approval:
670-739 * GoodAPR on Purchases:
0 % Intro APR on purchases for 15 months, 19.74%-29.74% thereafterAPR on Balance Transfers:
0% Intro APR on balance transfers for 15 months, 19.74%-29.74% thereafterBalance transfer fees
Balance transfer fee appliesForeign Transaction Fee:
0%With 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, and 1% Cash Back on all other purchases. this card is a sweet spot for cash back lovers.
But if you read a bit further, you’ll see this “cash” can become Capital One Miles, if you know the secret.
Reward multipliers
The Capital One SavorOne Cash Rewards credit card has a long list of categories that give you 3% or more in rewards, all with no annual fee.
- 8% cash back rewards on Capital One Entertainment purchases
- 5% cash back on hotels and rental cars booked through Capital One Travel. Terms apply.
- 3% cash back on dining purchases
- 3% cash back on entertainment
- 3% cash back at grocery stores (excluding superstores like Walmart(R) and Target®)
- 3% cash back rewards on popular streaming services
- 1% everywhere else
Earns bonus points for spend in the following bonus categories:
Only earns 5% when booked via Capital One Travel; else 1%
Estimated Rewards Value: 5%
Estimated Rewards Value: 3%
Estimated Rewards Value: 3%
Estimated Rewards Value: 3%
Estimated Rewards Value: 3%
Estimated Rewards Value: 1%
ALREADY HAVE THIS CARD?
Pair another card and boost your rewards
In some cases, adding cards from the same points system will increase your rewards by unlocking a higher point value based on the ability to transfer points to air or hotel partners. In other cases, the cards simply work together to earn more points with one bank or diversify your bonus category rewards across banks.
Key features
Unique Card Benefits
8% Cash Back at Capital One Entertainment
This portal allows you to buy things like concert tickets and show tickets directly from Capital One. Besides having features like early access to some events, you’ll also earn 8% cash back for these purchases with your Savor credit card.
0% Intro APR on Purchases
0 % Intro APR on purchases for 15 months, 19.74%-29.74% thereafter
0% Intro APR on Balance Transfers
0% Intro APR on balance transfers for 15 months, 19.74%-29.74% thereafter
Balance Transfer Fees: Balance transfer fee applies
Extended Warranty
Get up to 1 additional year on eligible purchases with manufacturer warranties of 3 years or less.
Secondary Car Rental CDW Waiver
You’ll get secondary Collision Damage Waiver coverage when you rent a car with your Savor card and decline CDW from the rental company. Terms apply.
No Foreign Transaction Fees
As with all Capital One credit cards, you’ll never pay a foreign transaction fee when traveling abroad.
No Fees for Authorized Users
Want a card for someone else where you can track their spend, but you pay the bill? There are no fees for additional “authorized user” Savor cards linked to your primary account.
Free Access to Credit Score
With Capital One’s CreditWise feature, you’ll receive alerts whenever your TransUnion® or Experian® credit report has changed.
Earn more rewards by combining credit cards
Pros & cons
- No annual fee
- Earns 3% back on dining and at grocery stores
- Excellent Intro 0% APR offers
- Only earns 1% cash back on non-bonus categories
- Does not come with any fancy benefits like airport lounge access
- Must book via Capital One Travel to get 5% cash back on hotels and rental cars
Our review
Unlike the Capital One Savor card (now discontinued for new applicants, anyway), which offers 4% back dining but the same 3% back on dining, at grocery stores, and on entertainment purchases and popular streaming services) but charges a $95 annual fee, the Savor, despite 1% less in cash back, will be a better choice until you reach a high level of spend such that the annual fee is offset.
Plus, don’t forget that you’ll earn cash rewards (8%) on Capital One Entertainment Purchases and 5% cash rewards on hotels and rental cars booked through Capital One Travel.
Early on in this review, I mentioned a “secret” way to convert your Savor cash back into Capital One miles (See our complete guide to Capital One Miles).
If you also have a Capital One Venture X, Venture, VentureOne, or Spark Miles for Business card, you can freely convert your Savor cash back into miles by transferring the cash back to any of those cards. It transfers 1:1, meaning that $10 = 1,000 miles.
Here’s a list of Capital One Miles transfer partners should you transfer your Savor cash rewards over to one of the aforementioned cards (to be clear, you cannot transfer to any of these partners with this card alone; you would need a Capital One Venture X Rewards Credit Card, Capital One Venture Rewards Credit Card, Capital One VentureOne Rewards Credit Card, or Capital One Spark Miles for Business card to transfer to):
| Capital One Miles | ||
|---|---|---|
| Transfer Ratio | Expected Transfer Time | |
| Air Canada (Aeroplan) | 1:1 | Instant |
| Air France / KLM Flying Blue | 1:1 | Instant |
| Avianca Lifemiles | 1:1 | Instant |
| Aeromexico | 1:1 | Instant |
| British Airways Avios | 1:1 | TBD |
| Cathay Pacific Asia Miles | 1:1 | Nearly instant |
| Choice Hotels | 1:1 | 1 day |
| Emirates Skywards | 1:1 | Instant |
| Etihad Guest | 1:1 | 1-2 days |
| Finnair | 1:1 | Instant |
| Qantas | 1:1 | 1-2 days |
| Singapore Airlines KrisFlyer | 1:1 | 1-2 days |
| TAP Air Portugal | 1:1 | TBD |
| Turkish Airlines Miles&Smiles | 1:1 | TBD |
| Wyndham Rewards Hotel Program | 1:1 | Instant |
| EVA | 2:1.5 | 1-2 days |
| Accor Live Limitless (ALL) Hotel Program | 2:1 | 1-2 days |
| Virgin Red | 1:1 | TBD |
There’s no denying that 3% cash back on dining, grocery store, streaming services and entertainment purchases is a solid deal for a credit card without an annual fee. In fact, entertainment purchases (which include things like concerts and shows) is one of the rarest bonus categories. If you attend a lot of Broadway shows or concerts, this card can really rack them up. And should you happen to resell any tickets on StubHub, etc, this is an extra 3% in your pocket.
Plus, if you don’t mind booking hotels and rental cars booked through Capital One Travel, that’s 5% cash back as well.
Bottom line? If you are interested in cash back rather than points, this would be a good card to have in your wallet, however, I would recommend pairing it with another card for other categories. For many, a second card like a Citi Double Cash, which earns 2% on everything, could be the perfect card combo. Or, scroll down and use our own Card Combo tool to see which card would pair best with a Savor based on your own spending profile.
And remember what I said above… there are ways to convert this cash back into Capital One Miles as well.
Frequently asked questions
Does the Capital One Savor have an annual fee?
No, the Savor cash rewards credit card has no annual fee.
Does the Capital One Savo Cash Rewards Credit Card get you into airport lounges?
No, it has no access to airport lounges. Here are other credit cards with access to airport lounges.
Is it hard to get the Capital One Savo?
You’ll probably need a score in the high 600’s or better to be approved for the Savo Cash Rewards credit card.
Is it worth getting the Capital One Savo Cash Rewards Credit Card?
If you spend a lot on dining, grocery store, and entertainment purchases, you’ll earn 3% cash rewards with no annual fee can definitely make it worthwhile.
How do I earn points / cash with the Capital One Savo?
Earn 3% cash back on dining, at grocery stores, on popular streaming services and for entertainment purchases. Plus, earn 5% cash rewards on hotels and rental cars booked through Capital One Travel. It’s pretty simple. There are no rotating categories.
Is there a better credit card than the Capital One Savo?
Maybe not purely for spend on dining, grocery store (excluding superstores) and entertainment purchases together, but there are certainly more feature rich cards which you can research in our Famous Card Explorer.
Does the Capital One Savo Cash Rewards Credit Card charge foreign transaction fees?
Never. No Capital One credit card charges foreign transaction fees.
Does the Capital One Savo have car rental coverage?
You’ll get secondary Collision Damage Waiver coverage when you rent a car with your Savo card and decline CDW from the rental company.
Does the Capital One Savo come with any Elite Status?
The Savor does not have any benefits like elite status.
Does the Capital One Savo offer extended warranty?
Yes, you’ll get up to 1 additional year on eligible purchases with manufacturer warranties of 3 years or less.
Does the Capital One Savo offer purchase protection?
No, it does not.
Does the Capital One Savo offer trip protections?
No, it does not.
What credit score do I need to get a the Capital One Savo?
A 640 – 850 FICO score should qualify you for this card, subject to Capital One’s underwriting criteria.
What can I do with the points earned for spending on the Capital One Savo?
You’re earning cash back, so spend that cash, baby! Though if you have one of Capital One’s miles-earning cards as well, like one from the Venture lineup, you can transfer your cash into Capital One Miles that way.
Does the Capital One Savo have Cell Phone Protection?
No, it does not.
How does the Capital One Savo compare to the Capital One VentureOne?
Both no-annual fee cards can be compared here.
Does the Capital One Savor Cash Rewards Credit Card offer an introductory 0% APR on purchases of balance transfers?
Yes, it does! See the details at the top of this page.
Does the Capital One Savor have Uber benefits?
Yes, you’ll automatically earn 10% back on qualifying purchases on Uber and Uber Eats plus complimentary Uber One membership, through November 14, 2024, with your Capital One Savor Cash Rewards Credit Card.
What happened to the Capital One SavorOne card?
It has been rebranded as the Savor card (following the original Savor card with an annual fee being discontinued to new applications). It is essentially the same as the old SavorOne – still with no annual fee and the same bonus categories.