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- Capital One SavorOne Review
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If food is an important part of your life, consider adding the Capital One® SavorOne® Cash Rewards Credit Card to your wallet. Among its slate of marquee features, the premium, unlimited earn rates for dining and groceries make this a hard card to pass up. Capital One also piles on a few perks, intro bonuses, and other features to attract and keep non-foodie customers. Let's take a seat at the table and learn more with our Capital One® SavorOne® Cash Rewards Credit Card review.
Great for: Dining and groceries rewards
Capital One® SavorOne® Cash Rewards Credit Card
What We Like About The Card
Dining and grocery spending will earn premium, unlimited rewards, but that's not the only showstopper. The sign-up bonus, no annual fee, and 0% APR offer can add a ton of value on top of rewards you earn in bonus categories.
Credit Rating Requirement:
Rewards
3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
Annual Fee
$0
Intro APR
Purchases: 0%, for 15 months
Balance Transfers: N/A
Ongoing APR
15.49% - 25.49%, variable
Welcome Bonus
$150 after spending $500 within 3 months
Highlights
This credit card is a good fit for: Consumers who have high spending in dining and entertainment. Those who have an expensive purchase to make and pay off gradually will also appreciate this card's 0% intro APR.
3% cash back on dining and entertainment, 2% cash back on groceries: The card reserves its highest cash-back level for dining and grocery purchases. All other purchases earn at the card's standard 1% rate. Unlike some rewards credit cards with elevated rewards categories, Capital One doesn't put a cap on how much cash back you can reap. You'll earn all you can eat.
5% cash back with Uber Eats until January 31, 2021: If you've been spending a lot on food delivery lately, this card will help you earn a whopping 5% back on your Uber Eats purchases for a limited time.
$150 intro cash bonus: You can earn a relatively easy $150 by spending only $500 within three months of the account opening.
0% intro APR on purchases for 15 months: I tend to be partial to cards with 0% intro APR regimes that last more than a year and 15 months leaves plenty of time to effectively finance expensive purchases interest-free.
No annual fee: It isn't unusual for an issuer to tack an annual fee onto a rewards card; thankfully, that's not the case here.
Extremely flexible cash-back redemption options: You can redeem cash back for any amount you choose, and you don't have to be quick about it -- the cash back you earn never expires as long as you hold the card.
No foreign transaction fee: Eat your way around the world! Cardholders pay no foreign transaction fees on any of their purchases outside the U.S.
Balance transfer offer: If it offered a 0% intro APR on balance transfer for folks paying off debt, this card would come close to having it all. That said, there is no balance transfer fee.
You will need good to excellent credit to qualify for Capital One® SavorOne® Cash Rewards Credit Card -- a FICO® Score of at least 670 will give you a chance, but a score in the 700s will make it a lot easier for you to qualify. Capital One wants potential cardholders to have excellent credit, by which it means that you have:
That said, Capital One stresses that these are only guidelines in its decision to award you the card. Other factors can and will be considered.
Let’s run a quick comparison of this card’s potential yearly earnings on its specialty categories with a theoretical rival earning at a rate of 1% for both dining and groceries:
Credit Card | Spend on dining | Spend on groceries | Spend on other products/services | Total cash back earned |
---|---|---|---|---|
Capital One SavorOne | $5,000 | $4,000 | $7,000 | $300 |
Generic rival card | $5,000 | $4,000 | $7,000 | $160 |
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Capital One® Savor® Cash Rewards Credit Card |
Blue Cash Preferred® Card from American Express |
Rating image, 4.5 out of 5 stars.
4.5 stars
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. |
Rating image, 5.0 out of 5 stars.
5.0 stars
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. |
Apply Now
On American Express' Secure Website. |
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Rates & Fees | |
Credit Rating Requirement: |
Credit Rating Requirement: |
Welcome Bonus: $300 after spending $3,000 within 3 months |
Welcome Bonus: $300 after spending $3,000 within 6 months |
Rewards Program: 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases |
Rewards Program: 6% cash back at U.S. supermarkets ($6,000 spending cap per year), 3% cash back at U.S. gas stations and on transit, 1% back on all else |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: 0%, 12 months Balance Transfers: N/A |
Regular APR: 15.99% - 24.99%, variable |
Regular APR: 13.99%-23.99% Variable |
Annual Fee: $95 |
Annual Fee: $0 for the first year, then $95. |
Foreign Transaction Fee: None |
Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars. |
Highlights:
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Highlights:
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Apply Now
On American Express' Secure Website. |
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Capital One® Savor® Cash Rewards Credit Card is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.
Capital One® SavorOne® Cash Rewards Credit Card is one of the best credit cards for gourmands and entertainment junkies. The combination of the top 3% earning rate for restaurants and entertainment, 5% back for Uber Eats until Jan. 31, 2021, and the unlimited cash-back rewards offers much potential to the frequent eater.
Other good reasons to own the card:
For those who don't devote much of their budget to food or entertainment, this might not be the ideal card. Competing products offer better cash-back rates, either on a flat-rate basis or in several categories.
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