Capital One SavorOne Cash Rewards Credit Card

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Recommended Credit Score

Good to Excellent (670 - 850)

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Best for dining and entertainment

Annual Fee:
Purchase Intro APR:
0% intro on purchases for 15 months
Balance Transfer Intro APR:
Regular APR:
15.49% - 25.49% (Variable)
Terms and Restrictions Apply

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Capital One SavorOne Cash Rewards Credit Card: Details and benefits

If you spend a considerable amount of money eating at restaurants, attending concerts, going to the movies or anything similar, the Capital One SavorOne Cash Rewards Credit Card may be a sensible cash back card choice.

The SavorOne is a no annual fee card that earns you an unlimited 3 percent cash back on dining and entertainment, 2 percent back at grocery stores and 1 percent on all other purchases.

Along with this solid unlimited cash back rewards structure, you can earn a $200 cash bonus once you spend $500 within the first 3 months from account opening.


  • $200 cash bonus when you spend $500 on purchases in the first 3 months of account opening
  • Zero percent intro APR on purchases for 15 months (15.49 — 25.49 percent variable APR thereafter)
  • No annual fee
  • No foreign transaction fees


  • Cash back rewards can’t be redeemed for travel

Is the SavorOne worth it for you?

The SavorOne’s rewards structure is pretty simple — there aren’t any rotating categories and you won’t need to activate to receive your cash back rewards. All cash back is accrued automatically with no limit and doesn’t expire for the life of the account.

If you’re thinking of applying for the SavorOne, first make sure your spending habits align with the dining and entertainment category the card has to offer. Should your spending fall more so within the grocery store category, it wouldn’t hurt to look for a flat rate cash back card focused on grocery store purchases.

International travelers will enjoy the SavorOne’s lack of foreign transaction fees, meaning you won’t owe the 3 percent fee many cards charge on transactions made abroad. Just by owning the card, you also receive travel accident insurance, 24-hour travel assistance services and complimentary concierge service.

Get the most value from the SavorOne

Other than a generous cash back rewards structure and generous introductory APR period on purchases, the SavorOne offers a variety of security protections.

Capital One sends you security alerts via text, email or phone if any suspicious activity occurs on your account, and unauthorized purchases made with your card are protected by $0 fraud liability. If need be, you can lock your card via the Capital One Mobile app.

As a Capital One cardholder, you’re offered VIP access to music and sporting events, culinary experiences and more when you use your card to purchase. You can learn about upcoming and past events, here.

How much are the SavorOne rewards worth?

Should you spend $200 a month on groceries and $250 a month on eating out, attending concerts and going to the movies, you’ll earn $138 in cash back by the end of the year (not including all other spending). If you spend an additional $150 a month on miscellaneous items, you’d earn an extra $18 for the year.

With this spending, you qualify for the SavorOne’s one-time welcome bonus, bringing you to $356 earned your first year of card ownership.

How to redeem rewards

Rewards earned with the SavorOne don’t expire and can be redeemed for gift cards, shopping on or cash back in the form of a statement credit or check.

To redeem, simply log into your Capital One account and select “Redeem Rewards.” If you’re interested in setting up automatic cash back redemption, you can choose a yearly date to automatically redeem your rewards or set a specific rewards threshold.