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Capital One SavorOne Cash Rewards Credit Card

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* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card is a no-annual fee credit card offering 3% cash back on dining, at grocery stores, and on entertainment purchases.

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card is a no-annual fee credit card offering 3% cash back on dining, at grocery stores, and on entertainment purchases.

BONUS OFFER

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd

Key facts

It’s rare to find a credit card with no annual fee that delivers more than 2% cash back, but the SavorOne does just that. Earn cash rewards on a variety of bonus categories.

Annual Fee:

$0

AVG Point Value:

$0.01 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

APR on Purchases:

0 % Intro APR on purchases for 15 months, 19.99%-29.99% thereafter

APR on Balance Transfers:

0% Intro APR on balance transfers for 15 months, 19.99%-29.99% thereafter

Balance transfer fees

Balance transfer fee applies

Foreign Transaction Fee:

0%

With 3% cash back on dining, grocery store, and entertainment 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%

5x
Car Rentals

Estimated Rewards Value: 5%

Only earns 5% when booked via Capital One Travel; else 1%

5x
Hotels

Estimated Rewards Value: 5%

3x
Dining Out / Food Delivery

Estimated Rewards Value: 3%

3x
Streaming Services

Estimated Rewards Value: 3%

3x
Entertainment (Concerts / Shows / Movies)

Estimated Rewards Value: 3%

3x
Groceries

Estimated Rewards Value: 3%

1x
Everything Else

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

1

Unique Card Benefits

10% Back on Uber

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 SavorOne Cash Rewards Credit Card.

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 SavorOne credit card.

2

0% Intro APR on Purchases

0 % Intro APR on purchases for 15 months, 19.99%-29.99% thereafter

3

0% Intro APR on Balance Transfers

0% Intro APR on balance transfers for 15 months, 19.99%-29.99% thereafter

Balance Transfer Fees: Balance transfer fee applies

4

Extended Warranty

Get up to 1 additional year on eligible purchases with manufacturer warranties of 3 years or less.

5

Secondary Car Rental CDW Waiver

You’ll get secondary Collision Damage Waiver coverage when you rent a car with your SavorOne card and decline CDW from the rental company. Terms apply.

6

No Foreign Transaction Fees

As with all Capital One credit cards, you’ll never pay a foreign transaction fee when traveling abroad.

7

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” SavorOne cards linked to your primary account.

8

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

Capital One SavorOne Cash Rewards Credit Card
? Best Combo
See how much more you'll earn in rewards when you combine these two cards.
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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

Capital One SavorOne Cash Rewards Credit Card

Learn How To Apply

Our review

Unlike the Capital One Savor card, 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 SavorOne, 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.

car-rentals-capital-one-savorone-cash-rewards-credit-card

Early on in this review, I mentioned a “secret” way to convert your SavorOne 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 SavorOne 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 SavorOne 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 RatioExpected Transfer Time
Air Canada (Aeroplan)1:1Instant
Air France / KLM Flying Blue1:1Instant
Avianca Lifemiles1:1Instant
Aeromexico1:1Instant
British Airways Avios1:1TBD
Cathay Pacific Asia Miles1:1Nearly instant
Choice Hotels1:11 day
Emirates Skywards1:1Instant
Etihad Guest1:11-2 days
Finnair1:1Instant
Qantas1:11-2 days
Singapore Airlines KrisFlyer1:11-2 days
TAP Air Portugal1:1TBD
Turkish Airlines Miles&Smiles1:1TBD
Wyndham Rewards Hotel Program1:1Instant
EVA2:1.51-2 days
Accor Live Limitless (ALL) Hotel Program2:11-2 days
Virgin Red1:1TBD

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 SavorOne 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

1

Does the Capital One SavorOne have an annual fee?

No, the SavorOne cash rewards credit card has no annual fee.

2

Does the Capital One SavorOne 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.

3

Is it hard to get the Capital One SavorOne?

You’ll probably need a score in the high 600’s or better to be approved for the SavorOne Cash Rewards credit card.

4

Is it worth getting the Capital One SavorOne 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.

5

How do I earn points / cash with the Capital One SavorOne?

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.

6

Is there a better credit card than the Capital One SavorOne?

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.

7

Does the Capital One SavorOne Cash Rewards Credit Card charge foreign transaction fees?

Never. No Capital One credit card charges foreign transaction fees.

8

Does the Capital One SavorOne have car rental coverage?

You’ll get secondary Collision Damage Waiver coverage when you rent a car with your SavorOne card and decline CDW from the rental company.

9

Does the Capital One SavorOne come with any Elite Status?

The SavorOne does not have any benefits like elite status.

10

Does the Capital One SavorOne offer extended warranty?

Yes, you’ll get up to 1 additional year on eligible purchases with manufacturer warranties of 3 years or less.

11

Does the Capital One SavorOne offer purchase protection?

No, it does not.

12

Does the Capital One SavorOne offer trip protections?

No, it does not.

13

What credit score do I need to get a the Capital One SavorOne?

A 640 – 850 FICO score should qualify you for this card, subject to Capital One’s underwriting criteria.

14

What can I do with the points earned for spending on the Capital One SavorOne?

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.

15

Does the Capital One SavorOne have Cell Phone Protection?

No, it does not.

16

How does the Capital One SavorOne compare to the Capital One VentureOne?

Both no-annual fee cards can be compared here.

17

Does the Capital One SavorOne 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.

18

Does the Capital One SavorOne 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 SavorOne Cash Rewards Credit Card.