Capital One SavorOne Cash Rewards Card: Unlimited 3% Back with $0 Annual Fee
- Annual fee
- None
- Recommended credit
- Excellent
- Card network
- Mastercard
- Intro purchase APR
- 0% for the first 15 months from date of account opening
At a glance
A younger sibling to the Savor® Rewards version, the Capital One SavorOne Cash Rewards Credit Card also highlights cash back on dining and entertainment while also extending an appealing 0% introductory APR offer.
Our review of the Capital One SavorOne Cash Rewards Card
The Capital One SavorOne Cash Rewards Credit Card is perfect for those who love dining out, going to shows, grabbing coffee, or hitting up theme parks. This card offers 3% cash back on dining, entertainment, grocery store, and select streaming services purchases, with no limits.
A Decent Welcome Bonus… for Some Applicants
Depending on your credit score, you may qualify for different welcome offers with the Capital One SavorOne Rewards Card. Those with excellent credit can earn a bonus of 20,000 miles after spending $500 within the first three months. Additionally, there is a 0% intro APR for 15 months on purchases and balance transfers, with a variable APR after that.
Unfortunately, those with good credit do not qualify for a new card member bonus or the 0% intro APR. However, they can still earn great rewards.
How to Earn Rewards with the SavorOne
The SavorOne card offers similar rewards to its $95 annual fee counterpart, the Capital One® Savor® Cash Rewards Card, but with no annual fee. Cardholders earn 3% cash back on dining, entertainment, select streaming services, and grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Additionally, cardholders can earn 8% cash back on Capital One Entertainment purchases.
The highlight of this card is the 3% cash back on dining, entertainment, and select streaming services. Eligible streaming services include Apple TV/Music, FuboTV, SiriusXM, and more. Dining includes categories like bakeries, cafes, and fast food.
No Annual Fee Comparison
Compare the SavorOne with other no annual fee credit card options:
| Card | Annual Fee | Rewards Rate |
|---|---|---|
| SavorOne Cash Rewards | $0 | Earn 3% back on dining & entertainment, 3% back on groceries, 1% on all other purchases |
| Bilt Mastercard | $0 | Earn 1X points on rent payments, 2X points on travel purchases, 3X points on dining |
| Upgrade Cash Rewards Visa® | $0 | Unlimited 1.5% cash back |
How to Redeem Rewards
Cardholders can redeem their rewards for various options, such as cash back statement credits, shopping, or travel through the Capital One travel portal. Shopping options include purchases with Amazon or PayPal Pay with Points.
Other Card Features
The Capital One SavorOne card also offers no foreign transaction fees, Mastercard travel accident insurance, auto rental collision damage waiver, and 24-hour travel accident assistance. Cardholders can also receive account alerts from Capital One’s virtual assistant, Eno.
Should You Apply for the Capital One SavorOne Cash Rewards Credit Card?
While the SavorOne card offers great rewards on streaming, groceries, dining, and entertainment, the Savor® Rewards card earns more in some categories. Consider your spending habits and priorities when choosing between the two. If you value a 0% APR intro period, the SavorOne may be the better option for you.
Overall, the Capital One SavorOne Cash Rewards Credit Card can be a valuable addition to your wallet if you take advantage of its benefits. Explore other card offers like the Chase Freedom Flex and Citi Custom Cash℠ Card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 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.
- No rotating categories or sign-ups needed to earn cash rewards
- Cash back wo't expire for the life of the account and there's no limit to how much you can earn
- No foreign transaction fee
- No annual fee
- You're covered by $0 Fraud Liability if your card is ever lost or stole
Who this card may suit
- You frequently dine out or make purchases in the entertainment category
- You want a cash back credit card with no annual fee and no foreign transaction fees
- You plan to pay for your groceries with a credit card over cash or debit
- You're looking for exclusive cardmember perks that give access to unique experiences not available to the public
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for the first 15 months from date of account opening |
| Regular Purchase APR | 19.99% - 29.99% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for the first 15 months from date of account opening |
| Balance Transfer APR | 19.99% - 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | 3% of the amount of each transfer posted during the first 15 months from account opening. None for transfers that post thereafter |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | 3% of the amount of the cash advance, but not less than $3 |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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Capital One SavorOne Cash Rewards Card
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