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Capital One SavorOne Cash Rewards Credit Card Review

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Capital One SavorOne Cash Rewards Credit Card
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Capital One SavorOne Cash Rewards Credit Card
Editor’s Score: (4.3/5)
Apply Now externa link icon At Capital One’s secure site.
Capital One SavorOne Cash Rewards Credit Card
Editor’s Score: (4.3/5)
  • Intro offer:
    $200
  • Annual fee:
    $0
  • Regular APR:
    16.49% – 26.49% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats. 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 unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% on all other purchases.

NextAdvisor’s Take

Pros
  • Tiered cash back structure
  • No annual fee
  • 0% intro APR on purchases and balance transfer for 15 months (16.49% – 26.49% variable APR after that)
  • No foreign transaction fees
Cons
  • High ongoing variable APR
  • Limited redemption options
  • Earn higher rewards rate on same categories with Capital One Savor Cash Rewards Credit Card*
The Bottom Line
With great cash back rewards for dining, entertainment, and at grocery stores (excluding superstores like Walmart® and Target®) — all for no annual fee — the Capital One SavorOne Cash Rewards Credit Card* is a solid card option for anyone who enjoys a night out. But its broad rewards categories can help you save on nights at home and travel experiences, too. It’s even among our favorite cash back credit cards.

Additional Card Details

  • Earn a $200 cash bonus after $500 in purchases within the first three months of account opening
  • No annual fee
  • Introductory 0% APR on purchases and balance transfers for 15 months
  • Ongoing variable APR between 16.49% – 26.49%
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance*
  • Access to the Capital One Shopping portal for online shopping discounts
  • Complimentary concierge service
  • 24-hour travel assistance for lost or stolen cards
  • Access to Capital One culinary, music, and sports experiences

*Benefits only available to accounts approved for the Visa Signature card. Terms apply.

Capital One SavorOne Cash Rewards Full Review

Card Type

This is a cash back credit card with bonus categories including dining, entertainment, popular streaming services, and qualifying grocery stores.

Annual Fee

There is no annual fee for the Capital One SavorOne card. 

Welcome Offer

Earn a $200 cash bonus after $500 in purchases within the first three months of account opening.

Introductory Offer

This cash back card also has an intro offer that rivals some of the best 0% APR and balance transfer cards on the market today. You can get 0% interest on both new purchases and balance transfer for the first 15 months after account opening (16.49% – 26.49% variable APR thereafter).

Rewards

Earn 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®); 1% cash back on all other purchases

Fees 

There is no annual fee for this card. When using this card internationally, there is a no foreign transaction fee. 

If you take advantage of the balance transfer offer, there’s a 3% fee for balance transfers made within the 15-month intro period. The ongoing variable APR ranges between 16.49% and 26.49% for purchases.

How to Use Capital One SavorOne Cash Rewards Credit Card

To maximize your earnings, be sure you snag the $200 welcome bonus by spending $500 within your first three months. If you have a large upcoming purchase or existing debt to pay down, also consider using this card’s 0% intro offer on new purchases and balance transfers, which applies for the first 15 months from account opening.

Use your card every time you spend in those 3% bonus categories. Capital One’s range of eligible dining and entertainment purchases is broad. Even if you’re not spending your weekends sightseeing around town or dining out, you may likely find some regular items in your budget fit into these categories. Here’s what qualifies, according to Capital One:

  • Entertainment: Movie theaters, record stores, video rentals, tourist attractions, amusement parks, aquariums, zoos, dance halls, billiard and pool establishments, bowling alleys, commercial sports promoters (professional or semi-professional live sporting events), theatrical promoters, or concert promoters. 
  • Dining: Restaurants and cafes, as well as bars, lounges, fast-food chains and bakeries.
  • Streaming services: Eligible music and video streaming services apply. Some, including Prime Video, AT&T TV and Verizon FIOS on Demand are excluded, as well as audiobook subscriptions and fitness programs.

You can also gain value by pairing the Capital One SavorOne with another card that earns rewards on more everyday expenses — such as gas, utilities, and more. And don’t forget about the SavorOne’s 3% rewards at grocery stores. Use this card to purchase your weekly groceries, unless you have another card with a better rewards rate at the supermarket.

You can redeem your rewards for statement credits, gift cards, or checks; via PayPal; or directly at Amazon.com. Rewards don’t expire as long as your account is open.

Capital One SavorOne Cash Rewards Credit Card Compared to Other Cards

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Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Editor’s Score: (4.3/5)
  • Intro offer:
    $200
  • Annual fee:
    $0
  • Regular APR:
    16.49% – 26.49% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Capital One’s secure site
Learn More externa link icon
Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

Editor’s Score: (4.3/5)
  • Intro offer:
    $200
  • Annual fee:
    $0
  • Regular APR:
    14.74% – 24.74% Variable APR on purchases and balance transfers
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site
Learn More externa link icon
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Editor’s Score: (4.1/5)

Is Capital One SavorOne Cash Rewards Right for You?

If you have a standing weekly order with your favorite local restaurant or you always snag front-row seats when your favorite band comes to town, the SavorOne can add great value to your budget, for no annual fee. 

It’s also a good card to have on hand if you’re a traveler, as the entertainment category includes attractions and tourist destinations, and there’s no foreign transaction fee. Even if you aren’t always consistently making new travel plans, you can still benefit from 3% on grocery stores and takeout. 

But if you don’t typically order out or spend on entertainment, another cash back card might make more sense. Consider a card with higher grocery rewards at U.S. supermarkets, like the Blue Cash Preferred® Card from American Express or flat cash back on every purchase, like the Capital One Quicksilver Cash Rewards Credit Card

SavorOne vs. Savor

Capital One offers three cards within its Savor family: SavorOne Cash Rewards, Savor Rewards, and Capital One SavorOne Rewards for Good Credit*. The trio of cards all offer the same premise of cash back on dining, entertainment, and grocery stores, but at varying percentages and with different bonuses and perks. 

The SavorOne for Good Credit is identical to the SavorOne, but offers a higher variable APR and isn’t eligible for the welcome bonus or intro 0% APR. It’s attainable for consumers with good credit.

On the other hand, you’ll need excellent credit to qualify for both the SavorOne and Savor cards. The main differences between these sister cards are annual fee and rewards earned. The Savor card has a $95 annual fee and offers 4% cash back on dining, entertainment, and popular streaming services, 3% on grocery stores (excluding superstores like Walmart and Target), and 1% on all other purchases. Here’s how annual rewards value between these two cards compares:

SpendSavorOne Cash RewardsSavor Rewards
Grocery Stores $4,464$133.92$133.92
Dining$3,459$103.77$138.36
Entertainment$3,226$96.78$129.04
Other$2,109$21.09$21.09
Total$13,258$355.56$422.41
Note: These values are based on average consumer expenditure data from the Bureau of Labor Statistics. Totals are not exact and not all potential spending categories are accounted for. Your individual rewards earned may vary.

Don’t forget the annual fee on the Savor card. While it looks like the Savor earns more, you’ll need to subtract that $95 fee, which brings its annual value down to $327.41. If the majority of your spending is concentrated in dining and entertainment rewards categories, your value may exceed this. But if you’re close to these averages, the SavorOne may offer more value over time.

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

*All information about the Bank of America® Customized Cash Rewards credit card has been collected independently by NextAdvisor and have not been reviewed by the issuer.

For rates and fees of Blue Cash Everyday® Card from American Express , please click here

Frequently Asked Questions

Will I need good credit for the Capital One SavorOne Cash Rewards credit card?

You will need good to excellent credit (a credit score of 670 or above) for the Capital One SavorOne Cash Rewards credit card.

How is the Capital One SavorOne different from the QuicksilverOne?

The Capital One SavorOne Rewards card offers tiered rewards on dining, entertainment, and groceries, while the QuicksilverOne offers flat cash back on all purchases.

Is the SavorOne good for everyday spending?

1% cash back in categories beyond groceries, dining, popular streaming services, and entertainment. It might make sense to pair your card with another that offers higher rewards rates for spending outside of those categories.