Review
Updated
Fact Checked
Nathan Alderman
For food and entertainment rewards, the Capital One SavorOne Cash Rewards Credit Card is a winner. It earns high cash back rates across popular categories that include dining, groceries, and entertainment (see rates and fees). New cardholders can also earn a large welcome bonus. See if it's the right card for you with our Capital One SavorOne review.
Apply Now for Capital One SavorOne Cash Rewards Credit Card
On Capital One's Secure Website.
Capital One SavorOne Cash Rewards Credit Card
Great for: Dining and groceries rewards
Apply Now for Capital One SavorOne Cash Rewards Credit Card
On Capital One's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
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.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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= Fair
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= Poor
= Best
= Excellent
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Rating image, 4.50 out of 5 stars.
4.50/5
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.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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![]()
![]()
![]()
= Best
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![]()
![]()
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= Excellent
![]()
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![]()
= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Capital One SavorOne Cash Rewards Credit Card
On Capital One's Secure Website.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: 0% intro on purchases for 15 months
Balance Transfers: 0% intro on balance transfers for 15 months
Regular APR
19.99% - 29.99% (Variable)
Rewards Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. Earn 1% cash back on all other purchases.
1%-10% cash back
Annual Fee
$0
Welcome Offer $200 Cash Back after you spend $500 on purchases within 3 months from account opening
$200 Cash Back
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Dining and grocery spending will earn premium rewards, but that's not the only showstopper. The sign-up bonus, no annual fee, and a 0% intro APR offer can add a ton of value.
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- Sign-up bonus
- Dining rewards
- Entertainment rewards
- No annual fee
- Great intro APR for purchases
- Balance transfer fee
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- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- 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
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Full Capital One SavorOne review
This credit card is a good fit for: Foodies and people who go out often to movies, sports, live music, or other types of entertainment. Consumers who want to pay off purchases over time or refinance credit card debt could also benefit from this card's 0% intro APR.
READ MORE: Best Credit Cards for Dining and Restaurants
Top perks
Even though it doesn't charge an annual fee, this Capital One card is packed with features.
Excellent cash back rates
The Capital One SavorOne Cash Rewards Credit Card earns:
- 3% back on dining, entertainment, popular streaming services, and groceries
- 5% back on hotels and rental cars booked through Capital One Travel
- 8% back on Capital One Entertainment purchases
- 10% back on purchases with Uber and Uber Eats, plus it covers your Uber One monthly membership fee, through Nov. 14, 2024
It earns 1% back on other purchases. Note that the grocery category excludes superstores, such as Walmart and Target.
Overall, this card has fantastic cash back rates, especially considering it doesn't charge an annual fee. You'll earn 3% in several popular areas, and even more in those other bonus categories. There's also no limit to how much bonus cash back you can earn.
MORE OPTIONS: Best Cash Back Credit Cards
$200 Cash Back bonus
You earn a one-time $200 Cash Back bonus once you spend $500 in the first 3 months from account opening. It's a competitive welcome bonus amount, and it's easy to earn, only requiring about $167 in spending per month.
SEE MORE: Best Sign-Up Bonus Credit Cards
0% intro APR on purchases and balance transfers for 15 months
Need to finance large purchases or refinance debt? You'll have plenty of time to do it with this Capital One credit card. It offers a 0% intro APR on purchases for 15 months. The same 15 months of 0% intro APR also applies to balance transfers. The go-to 19.99% - 29.99% (Variable) APR applies after the intro period ends.
Note that there's a balance transfer fee of 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR. (That means balances made after that time don't have a fee, but you're charged the purchase APR on them.)
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.
Flexible cash-back redemption options
There's no redemption minimum, so you can redeem cash back for any amount you choose. Your cash back never expires, and you can set up automatic redemptions to make it easier. You can get your cash back in the form of a statement credit or a check.
No foreign transaction fee
This Capital One card doesn't have a foreign transaction fee. Some cards, particularly no annual fee cards, charge 3% for each foreign transaction. That can quickly add up for frequent travelers.
RELATED: Best Travel Rewards Credit Cards
What could be improved
There is one slight area of improvement for this cash back credit card.
Balance transfer fee
You get charged a balance transfer fee of 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR.
This fee amount is in line with the competition. It just means that if you are planning to transfer a balance to refinance credit card debt, make sure you'll save more in interest than you'll spend on the fee. You can find out using a balance transfer calculator.
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Suggested credit score
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:
- Held a credit card or loan for over three years, at a credit limit/amount over $5,000.
- Not paid a credit card, loan, or medical bill more than 60 days late over the past year.
- Never once declared bankruptcy.
- Never defaulted on a loan.
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. If your credit score is well below the recommended guidelines, you may want to work on it first, or check out more credit card reviews to find a better fit for you.
The Capital One SavorOne is right for you if:
Food and entertainment are some of your biggest monthly expenses. With its cash back rates, the Capital One SavorOne Cash Rewards Credit Card will be one of the best credit cards you can find. The combination of premium rewards and no annual fee is hard to beat.
RELATED: Best Capital One Credit Cards
Alternatives to consider
- If you want to earn even more on groceries: The Blue Cash Preferred® Card from American Express earns a whopping 6% cash back at U.S. supermarkets on up to $6,000 in spending each calendar year. You'll also get 3% cash back at U.S. gas stations and a generous welcome offer (terms apply). The cost of admission for these perks is a justifiable annual fee (see rates and fees).
- If you want a longer 0% intro APR: The Wells Fargo Reflect® Card is a standout with a 0% intro APR, 21 months from account opening. It applies to purchases and balance transfers made in the first 60 days. The drawback is that this card doesn't offer any sort of purchase rewards.
As of Nov. 27, 2023
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| Capital One SavorOne Cash Rewards Credit Card | Blue Cash Preferred® Card from American Express | Wells Fargo Reflect® Card |
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Rating image, 4.50 out of 5 stars.
4.50/5
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.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 5.00 out of 5 stars.
5.00/5
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.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Rating image, 5.00 out of 5 stars.
5.00/5
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.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
|
Apply Now for Capital One SavorOne Cash Rewards Credit Card
On Capital One's Secure Website. |
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website. Terms apply |
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
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Welcome Offer: $200 Cash Back after you spend $500 on purchases within 3 months from account opening $200 Cash Back |
Welcome Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. $250 |
Welcome Offer: — |
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Rewards Program: Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. Earn 1% cash back on all other purchases. 1%-10% cash back |
Rewards Program: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. 1% - 6% cash back |
Rewards Program: N/A |
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Intro APR: Purchases: 0% intro on purchases for 15 months Balance Transfers: 0% intro on balance transfers for 15 months |
Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months |
Intro APR: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 21 months from account opening Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers |
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Regular APR: 19.99% - 29.99% (Variable) |
Regular APR: 19.24%-29.99% Variable |
Regular APR: 18.24%, 24.74%, or 29.99% Variable APR |
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Annual Fee: $0 |
Annual Fee: $0 intro annual fee for the first year, then $95. |
Annual Fee: $0 |
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Apply Now for Capital One SavorOne Cash Rewards Credit Card
On Capital One's Secure Website. |
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website. Terms apply |
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FAQs
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No, the Capital One SavorOne Cash Rewards Credit Card is made of plastic.
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The Capital One SavorOne Cash Rewards Credit Card is a Mastercard. Specifically, it's a World Elite Mastercard®, which is the top tier of Mastercard card types.
Our Credit Cards Experts
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
Fact Checked
Nathan Alderman
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
Wells Fargo is an advertising partner of The Ascent, a Motley Fool company. American Express is an advertising partner of The Ascent, a Motley Fool company. Bank of America is an advertising partner of The Ascent, a Motley Fool company. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Bank of America, Mastercard, Target, Uber Technologies, Visa, and Walmart. The Motley Fool recommends the following options: long January 2025 $370 calls on Mastercard and short January 2025 $380 calls on Mastercard. The Motley Fool has a disclosure policy.
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