Name: Capital One® SavorOne® Cash Rewards Credit Card
Brand: Capital One

Offer status

This offer is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date. Visit our Best Credit Cards page for current offers.

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.

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Great for: Dining and groceries rewards

Capital One® SavorOne® Cash Rewards Credit Card

Rating image, 4.5 out of 5 stars.

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: Good/Excellent

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

Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
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 for 15 months; 15.49% - 25.49% variable APR after that
0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
No foreign transaction fee
No annual fee

Card Details [+-]

Full Capital One SavorOne review

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.

Pros

Sign-up bonus
Dining rewards
Entertainment rewards
No annual fee
Zero-interest offer

Cons

No balance transfer offer

Top perks

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.

What could be improved

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.

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.

How much cash back you can earn

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

Alternatives to consider

If you spend enough on dining and entertainment to justify an annual fee: The Capital One® Savor® Cash Rewards Credit Card is essentially an upgraded version of the Capital One® SavorOne® Cash Rewards Credit Card. Cardholders earn 4% back on dining and entertainment and can receive a bigger welcome bonus. Be aware that unlike its younger sibling, the card does charge an annual fee and does not include a 0% intro APR offer.
If you want to earn big on groceries: If grocery cash back cards are your focus, 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 year. You'll also get 3% cash back at U.S. gas stations and a generous welcome bonus. The cost of admission for these perks is a justifiable annual fee.

As of Jan. 05, 2021


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	Rating image, 5.0 out of 5 stars. 5.0 stars
Read Review	Apply Now On American Express' Secure Website.
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	Rates & Fees
Credit Rating Requirement: Good/Excellent	Credit Rating Requirement: Good/Excellent

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: Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020. 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 No foreign transaction fees Capital One cardholders get access to premium experiences in dining, entertainment and more $0 intro annual fee for the first year, $95 after that	Highlights: Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. $0 introductory annual fee for one year, then $95. 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. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. Terms Apply.
	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.

This credit card is right for you if:

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:

The $150 intro cash bonus is low-hanging fruit, considering that an average of less than $167 in spending per month is needed to earn it.
You want to finance a new purchase with a 0% intro APR, as long as you can pay off the balance within 15 months.

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.

Capital One SavorOne Review: A Well-Rounded No-Annual-Fee Card