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Card reviewCapital One
Updated Jul 24, 2026 · research
Capital OneCapital One Cash Back Rewards
SavorOne Rewards from Capital One
Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services with a $39 annual fee.
Entry LevelPersonal
Mastercard
Credit profile: fair$39
Annual fee
3% back dining
Top rate
N/A
Foreign fee
N/A
Rating
Earning Rates
Dining
3%cash back
Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.
Entertainment
3%cash back
Ticket purchases made at movie theaters, sports promoters, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys.
Grocery Stores
3%cash back
A supermarket, meat locker, freezer, dairy product store and specialty market. Excludes superstores like Walmart and Target.
Popular Streaming Services
3%cash back
Streaming purchases made from eligible music and video streaming services, including but not limited to Netflix, Hulu and Disney+.
All Other Purchases
1%cash back
Pros & Cons
Pros
- 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.
- 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.
- Excellent credit is required, limiting accessibility for those still building their credit profile.
Key Takeaways
- Earn $200 cash bonus after spending $500 in the first 90 days.
- 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 | $39 |
Frequently Asked Questions
What cash back rate does the SavorOne earn on dining and groceries?
The card earns unlimited 3% cash back on dining and at grocery stores. Note that the grocery store exclusion applies to superstores like Walmart and Target, which do not qualify for the 3% rate.
Does the SavorOne charge foreign transaction fees?
No, the Capital One SavorOne does not charge foreign transaction fees. This makes it a practical card to use for purchases made outside the United States.
How does the 8% cash back on Capital One Entertainment work?
Cardholders earn 8% cash back on tickets and experiences purchased through the Capital One Entertainment platform. This rate does not apply to entertainment purchases made outside of that portal.
What credit score is needed to qualify for the Capital One SavorOne?
Capital One targets applicants with excellent credit for the SavorOne. Applicants should generally expect to have a strong credit history before applying.
Does the SavorOne earn rewards on streaming services?
Yes, the card earns unlimited 3% cash back on popular streaming services. This applies alongside the same 3% rate earned on dining, entertainment, and grocery stores.
How does the 5% travel cash back work on the SavorOne?
Cardholders earn 5% cash back on hotels and rental cars, but only when booked through the Capital One Travel portal. Bookings made directly with hotels or rental car companies do not qualify for the elevated rate.
About This Card
Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services with a $39 annual fee. Checking your eligibility lets you see offers in as little as 90 seconds with no credit score impact.
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 SavorOne Rewards from Capital One
Current offer available with a $39 annual fee.
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