Capital One SavorOne Rewards Credit Card

Quick Snapshot

• Annual Fee: $0
• APR: 0% intro for 15 months, then 19.99%–29.99% variable
• Rewards: 3% dining, entertainment, groceries, streaming + 1% everything else
• Bonus: No current welcome bonus
• Best For: Foodies, entertainment lovers, grocery shoppers, streamers
• Credit Needed: Good to Excellent (700+)

Overview

The Capital One SavorOne Rewards Credit Card is a no annual fee cash back card designed for those who spend heavily on dining, entertainment, groceries, and streaming services. Earn 3% back in popular lifestyle categories with no caps, plus enhanced rewards through Capital One Travel and a 0% intro APR offer.

Perfect for foodies, entertainment enthusiasts, and anyone who spends significantly on groceries and streaming subscriptions. With no annual fee and no limits on earning 3% rewards, this card delivers consistent value in the spending categories that matter most to everyday life. The extended 15-month 0% intro APR period makes it ideal for large purchases or balance transfers while earning strong rewards.

APR Breakdown

• Purchase APR: 0% intro APR for 15 months, then 19.99%–29.99% variable APR
• Balance Transfer APR: 0% intro APR for 15 months, then 19.99%–29.99% variable APR
• Cash Advance APR: Variable APR
• Penalty APR: None

Note: Extended 15-month intro period on purchases and balance transfers. Balance transfer fee of 3% applies (minimum $3).

Benefits Overview

Travel Benefits

• 5% cash back on hotels, vacation rentals, rental cars, and activities booked through Capital One Travel
• No foreign transaction fees when making purchases outside the U.S.
• Auto rental collision damage waiver (secondary coverage)
• 24-hour travel assistance services for emergencies
• Travel accident insurance for common carrier travel

Everyday Benefits

• 3% cash back on dining, entertainment, groceries, and streaming (no caps)
• Fraud coverage with zero liability protection
• Free Credit Score Access via Capital One CreditWise
• Extended warranty protection (adds one year to manufacturer's warranty)
• Cash back rewards never expire for the life of your account
• Multiple flexible redemption options

Lifestyle Benefits

• 8% cash back on purchases made through Capital One Entertainment
• 0% intro APR for 15 months on purchases and balance transfers
• Redeem rewards for statement credits, direct deposit, Amazon purchases, gift cards, or travel
• Simple rewards structure with automatic 3% in bonus categories
• Mobile app with spending insights and reward tracking

Rewards & Cash Back

• 3% cash back on dining (restaurants, fast food, takeout, and eligible delivery services)
• 3% cash back on entertainment (movies, concerts, sporting events, tourist attractions, and more)
• 3% cash back at grocery stores (excluding superstores like Walmart and Target)
• 3% cash back on popular streaming services (music, video, gaming, and more)
• 8% cash back on purchases made through Capital One Entertainment
• 5% cash back on hotels, vacation rentals, rental cars, and activities booked through Capital One Travel
• Unlimited 1% cash back on all other purchases
• No caps or limits on earning 3% rewards in bonus categories
• Rewards never expire for the life of your account
• Redemption options: Statement credits, direct deposit, Amazon purchases, gift cards, and travel bookings

All rewards are automatic — no categories to activate, no quarterly rotations to track.

Welcome Bonus

Currently no welcome bonus offered for new SavorOne accounts.

Note: While this card doesn't offer a sign-up bonus, the strong ongoing 3% rewards in popular categories can quickly outpace one-time bonuses from competing cards, especially for high spenders in dining, entertainment, groceries, and streaming.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: 0%
• Balance Transfer Fee: 3% of each transfer (minimum $3)
• Cash Advance Fee: Varies
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Foodies and restaurant lovers who dine out frequently
• Entertainment enthusiasts who attend concerts, movies, and sporting events
• Grocery shoppers who spend heavily at traditional grocery stores
• Streaming subscribers with multiple music, video, and gaming services
• Balance transfer seekers needing 15 months of 0% APR
• Capital One ecosystem users who can maximize 5%–8% rewards through Capital One platforms
• Category spenders who want strong rewards without annual fees

Not Good For

• Walmart/Target grocery shoppers (superstores excluded from 3% grocery rewards)
• Minimal category spenders who won't benefit from 3% bonus categories
• Welcome bonus hunters (no current sign-up bonus)
• Travel-focused rewards seekers (better options for primary travel spending)
• Those with fair/average credit (requires good to excellent credit for approval)

Key Pros & Cons

Pros

• No annual fee makes it accessible for everyday use
• Strong 3% cash back in multiple popular categories (dining, entertainment, groceries, streaming)
• No caps or limits on earning 3% rewards in bonus categories
• Extended 0% intro APR period (15 months on purchases and balance transfers)
• Enhanced 5% and 8% rewards through Capital One platforms
• No foreign transaction fees for international purchases
• Rewards never expire for the life of your account
• Great for foodies and entertainment enthusiasts
• Extended warranty protection on eligible purchases
• Free credit score monitoring via Capital One CreditWise

Cons

• No current welcome bonus offer
• 3% grocery rewards exclude superstores like Walmart and Target
• Limited value if you don't spend much in the bonus categories
• Variable APR can be high (up to 29.99%) after intro period if carrying a balance
• Balance transfer fee applies (3% of each transfer)
• Requires good to excellent credit (700+) for approval
• Base earn rate of 1% on non-category purchases is modest

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

If you spend $18,000 per year on typical expenses:

Total Estimated Yearly Value: $408

With no annual fee, this entire value goes directly to your pocket. For heavy spenders in the 3% categories, the annual value can easily exceed $500–$600.

Should You Get This Card?

You Should Get It If…

• You spend heavily on dining, entertainment, groceries, and streaming
• You want strong category rewards without paying an annual fee
• You need a 0% intro APR period for purchases or balance transfers
• You have good to excellent credit (700+) and qualify
• You shop at traditional grocery stores (not Walmart/Target)
• You value no foreign transaction fees for international purchases
• You prefer automatic category rewards without activation hassles
• You can maximize value without a welcome bonus

You Should Skip It If…

• You don't spend much in the 3% bonus categories
• You primarily shop at Walmart or Target for groceries
• You're specifically looking for a welcome bonus
• You want a simple flat-rate card without category tracking
• You need premium travel benefits like trip insurance or lounge access
• You have fair/average credit and won't qualify
• You prefer maximizing a single spending category over multiple 3% categories

Maximizing Your Rewards

Tips to Get the Most Value:

1. Use for all dining purchases — restaurants, delivery, takeout, fast food (3%)
2. Buy groceries at traditional stores — avoid Walmart/Target to earn 3%
3. Stream everything — music, video, gaming services all earn 3%
4. Attend events — movies, concerts, sports, attractions all earn 3%
5. Book travel through Capital One Travel for 5% instead of 1%
6. Check Capital One Entertainment for 8% on event tickets
7. Use the 0% intro period strategically for large purchases or balance transfers
8. Pay in full monthly (after intro period) to avoid interest charges

Spending Strategy:

• SavorOne for dining, entertainment, groceries, streaming (3%)
• Pair with Quicksilver for all other purchases (1.5% vs SavorOne's 1%)
• Book travel through Capital One Travel portal (5%)
• Use for all entertainment and dining abroad (no foreign fees)

Category Definitions:

• Dining: Restaurants, fast food, cafes, bars, delivery services
• Entertainment: Movies, concerts, theme parks, museums, sporting events
• Groceries: Traditional grocery stores (excludes Walmart, Target, warehouse clubs)
• Streaming: Music (Spotify, Apple Music), video (Netflix, Hulu), gaming subscriptions

Apply Now

Apply for Capital One SavorOne Rewards Credit Card

Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.