Capital One SavorOne Cash Rewards Credit Card
No annual fee cash back card with unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores, plus 1% on all other purchases.
Annual Fee
$0
Top Earning Rate
8% back capital one entertainment
Foreign Tx Fee
None
Rating
N/A
Current Welcome Offer
200 cashback
$200 estimated value
Spend $500 in 90 days
Card Offers
public
200 cashback
$200 estimated value
Spend $500 in 90 days
Earning Rates
8% cash back on Capital One Entertainment purchases
5% cash back on hotels booked through Capital One Travel
5% cash back on rental cars booked through Capital One Travel
Unlimited 3% cash back on dining
Unlimited 3% cash back on entertainment
Unlimited 3% cash back at grocery stores, excluding superstores like Walmart® and Target®
Unlimited 3% cash back on popular streaming services
1% cash back on all other purchases
Pros & Cons
Pros
- No annual fee makes it easy to hold long-term without worrying about offsetting costs.
- Unlimited 3% cash back across four high-spend everyday categories: dining, entertainment, streaming, and grocery stores.
- Elevated 8% cash back on Capital One Entertainment purchases is among the higher rates available on a no-fee card.
- 0% intro APR for 15 months on both purchases and balance transfers provides useful short-term financing flexibility.
- No foreign transaction fees make it a solid companion for international travel.
Cons
- Grocery store 3% excludes major superstores like Walmart and Target, which limits earning for shoppers at those retailers.
- The elevated 5% and 8% rates require booking or purchasing through Capital One's own portals, reducing flexibility.
- No bonus categories for gas, which is a common spend category missing from this card's rewards structure.
- The regular variable APR after the intro period reaches up to 29.99%, which can be costly if balances are carried.
- Excellent credit is required, limiting accessibility for those still building their credit profile.
Key Takeaways
- No annual fee with unlimited 3% cash back on dining, entertainment, streaming, and grocery stores.
- Earn $200 cash bonus after spending $500 in the first 90 days.
- 0% intro APR on purchases and balance transfers for 15 months, then a variable APR of 19.99% to 29.99%.
- 8% cash back on Capital One Entertainment and 5% on hotels and rental cars booked through Capital One Travel require using Capital One's portals.
- No foreign transaction fees make this card usable abroad without extra costs.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 19.99% - 29.99%0% intro APR for 15 months
- Balance Transfer APR
- 19.99% - 29.99%0% intro APR for 15 months
- Cash Advance APR
- 29.99%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
6 benefits including 1 hidden gems
Travel Credits
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
Does the Capital One SavorOne have an annual fee?
What cash back rate does the SavorOne earn on dining and groceries?
What is the welcome bonus on the Capital One SavorOne?
Does the SavorOne charge foreign transaction fees?
What is the intro APR offer on the SavorOne?
How does the 8% cash back on Capital One Entertainment work?
What credit score is needed to qualify for the Capital One SavorOne?
Does the SavorOne earn rewards on streaming services?
Is there a balance transfer fee on the SavorOne?
How does the 5% travel cash back work on the SavorOne?
About This Card
The Capital One SavorOne is best suited for consumers who regularly spend on dining, entertainment, streaming services, and grocery stores and want straightforward cash back without paying an annual fee. It also works well for those who want a short-term 0% APR offer alongside everyday rewards.
The Capital One SavorOne Cash Rewards Credit Card is a no-annual-fee card designed for those who love dining, entertainment, and everyday spending. Cardholders earn unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. The card also offers 8% cash back on Capital One Entertainment purchases and 5% on hotels and rental cars booked through Capital One Travel. New cardholders can earn a one-time cash bonus after meeting the spend requirement. There are no foreign transaction fees, and the card comes with a 0% intro APR period on purchases and balance transfers.
The SavorOne stands out in the no-annual-fee cashback tier by combining 3% across four everyday categories with a rarely seen 8% rate on entertainment portal purchases, all without charging cardholders a yearly fee.
Ready to Decide?
Apply for the Capital One SavorOne Cash Rewards Credit Card
200 cashback, worth about $200 estimated value, with no annual fee.
Spend $500 in 90 days
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 6 of 6 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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