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Capital One SavorOne Cash Rewards Credit Card

VISA Cash Back Rewards No Foreign Fees Dining

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Capital One SavorOne Cash Rewards Credit Card

Credit Score

300 680
Limited - Fair
Apply Now On Capital One®'s secure website Terms apply. Approval is not guaranteed.

Annual Fee

$39

Rewards Rate

3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services

Foreign Fee

0%

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

28.99% (Variable)

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Capital One®.

SavorOne is the fee-bearing variant of the Savor positioned for average/fair/limited credit: an annual fee, the same category bonus structure as the no-fee SavorOne (dining, entertainment, streaming, eligible groceries), Capital One Travel hotels and rentals, Capital One Entertainment.

The annual fee versus the no-fee Savor flagship is the practical difference. To clear the fee through the top category alone, you'd need a moderate amount of category spend per year. Most households whose card spend lands in those categories clear that threshold easily. For people in the average credit range, this card is one of the few rewards cards that earns real money during the credit-rebuilding phase — keep clean payment history, expect a credit-line increase at six months, and consider product-changing to the no-fee Savor flagship once your score improves.

Card Details

  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help strengthen your credit for the future with responsible card usage
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
  • Top rated mobile app
Also in: Top Credit Cards 2026 Cash Back Rewards

Capital One SavorOne Cash Rewards Credit Card

Ready to apply? Visit the issuer's secure site.

Apply Now On Capital One®'s secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.