SavorOne Rewards from Capital One
Savor Life's Best Moments
Earn 3% cash back on dining, groceries, entertainment, and streaming services for a $39 annual fee. Get 8% back on Capital One Entertainment ticket purchases and 5% on hotels, vacation rentals and rental cars booked through Capital One Travel.
- Annual Fee
- $39
- Highest rate (conditional)
- Up to 8% (Capital One Entertainment)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $39
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Fair
Earning Rates
- 8%
Capital One Entertainment
8% cash back on Capital One Entertainment ticket purchases
- 5%
Hotels
5% cash back on hotels booked through Capital One Travel
- 5%
Car Rentals
5% cash back on car rentals booked through Capital One Travel
- 5%
Vacation Rentals
5% cash back on vacation rentals booked through Capital One Travel
- 3%
Dining
3% cash back at restaurants
- 3%
Entertainment
3% cash back on entertainment purchases
- 3%
Streaming
3% cash back on popular streaming services
- 3%
Grocery Stores
Earn unlimited 3% cash back at grocery stores
- 1%
All Other
1% cash back on all purchases
Earning Scenarios
3% Cash Back on Every Meal
Restaurants, cafes, bars, food delivery—earn 3% unlimited cash back on all dining purchases with no caps or rotating categories.
Dine out 3 times a week averaging $40 per meal = $187 cash back per year
Grocery Shopping Just Got More Rewarding
Get 3% cash back at grocery stores like Whole Foods, Kroger, Safeway, and more. Excludes Walmart, Target, and warehouse clubs.
Family of 4 spending $600/month on groceries = $216 cash back per year
Turn Entertainment Spending Into Cash
Movie theaters, concerts, theme parks, sporting events—earn 3% cash back on all your entertainment purchases.
Concert tickets, movies, events totaling $150/month = $54 cash back per year
Get Paid to Stream
Netflix, Hulu, Spotify, Disney+, HBO Max—earn 3% cash back on all your streaming subscriptions.
Streaming services totaling $60/month = $21.60 cash back per year
Premium Events, Premium Rewards
Access presale tickets to concerts, sports, and shows while earning an incredible 8% cash back through Capital One Entertainment.
Buy $500 in concert tickets = $40 cash back (vs $15 with 3% card)
Elevated Rewards for Travel Bookings
Book hotels, vacation rentals and rental cars through Capital One Travel and earn 5% cash back instead of the standard 1%.
Book 3 weekend hotel stays totaling $1,200/year = $60 cash back
Benefits & Perks
Travel Benefits
4 perksConcierge
General Travel
Insurance & Protections
5 protectionsCredit monitoring
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Zero Dollar Fraud Liability Cover on All Unauthorized
You will not be held responsible for any unauthorized charges if your card is lost or stolen anywhere in the world
Travel Accident Cover at No Extra Charge
Get automatic insurance for covered losses at no extra charge when you purchase travel fare with your SavorOne credit card
Virtual Card Numbers from Eno for Secure Online Shopping
Pay for online purchases with unique virtual card numbers from Eno and keep your actual card number completely private
Extended Warranty Cover at No Charge on Eligible Purchases
Receive additional warranty protection at no extra charge on all eligible items purchased entirely with your SavorOne credit card
Dining Out
3% cash back at restaurants
$3 back on a $100 dinner
Annual fee: $39
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesCategory Rankings (1 category)
How It Compares
Fair-credit option for dining and entertainment spenders. Earn 3% on dining, groceries, entertainment, and streaming. 8% on Capital One Entertainment. $39 annual fee, no FTF, no welcome bonus or intro APR.
Editorial Review
The Capital One SavorOne Rewards card is the fair-credit version of Capital One's dining and entertainment cash back card. It charges a $39 annual fee, earns 3% cash back at grocery stores, on dining, entertainment and popular streaming services, earns 1% on everything else, and carries a 29.24% variable purchase APR. It is a different card from Savor Rewards, which has no annual fee, asks for excellent credit and pays a welcome bonus.
Key Takeaways
The core 3% rate applies to grocery stores (excluding superstores like Walmart and Target), dining, entertainment and popular streaming services. Everything else earns 1%. Capital One adds 8% cash back on purchases made on the Capital One Entertainment ticketing platform and 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. There are no foreign transaction fees.
Capital One's page lists no welcome bonus and no 0% intro APR for this card. The $39 annual fee is covered once you spend roughly $1,300 a year in the 3% categories.
Why This Card Could Be Right For You
Consider the SavorOne if you:
- Have fair credit and want a rewards card rather than a card with no rewards
- Spend at least $1,300 a year on groceries, dining, entertainment and streaming, so the 3% rate outweighs the $39 fee
- Shop at traditional supermarkets rather than Walmart, Target or warehouse clubs
- Travel abroad and want to avoid foreign transaction fees
- Want to be considered automatically for a higher credit line in as little as 6 months
Read full review (4 more sections)
When The Usual Advice Doesn't Apply
Skip the SavorOne if you:
- Qualify for Savor Rewards, which has the same 3% categories, no annual fee and a welcome bonus
- Buy most of your groceries at Walmart, Target or warehouse clubs, which do not earn the 3% grocery rate
- Want a welcome bonus or a 0% intro APR, because this card has neither
- Plan to carry a balance, because the purchase APR is 29.24% variable
- Prefer a flat rate on all spending
Understanding Capital One Cash Back Rewards
Cash back on this card does not expire for the life of the account, and you can redeem any amount. Capital One lets you redeem for a statement credit, a check, gift cards, or to cover a recent purchase, and you can also use rewards at Amazon.com and with PayPal. Cash back is worth one cent per dollar redeemed and cannot be transferred to airline or hotel partners.
How SavorOne Fits In The Capital One Ecosystem
Capital One sells the Savor earning structure at three credit levels:
- Savor Rewards (excellent credit): $0 annual fee, a $200 bonus after $500 in 3 months and a 0% intro APR for 12 months
- Savor Rewards for Good Credit: $0 annual fee, no welcome bonus and no intro APR
- SavorOne Rewards (fair credit): $39 annual fee, no welcome bonus and no intro APR
The category rates are the same on all three, so the fee and APR are what change with your credit profile.
Our Take
The SavorOne makes sense when a fair credit profile limits you to cards with fees, and your spending lands in dining, groceries, entertainment and streaming. In that case the 3% rate can pay for the $39 fee within a few months. If your spending is spread across other categories, or you qualify for the no-fee Savor cards, the fee and the 29.24% APR are hard to justify. Check whether you can get a Savor card before you apply.
Pros and Cons
Pros
- +3% cash back on popular categories for a $39 annual fee
- +3% back on dining, groceries, entertainment, and streaming services
- +8% cash back on Capital One Entertainment ticket purchases
- +5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
- +No foreign transaction fees for international spending
- +Automatic credit line reviews in as little as 6 months
Cons
- -Grocery exclusions for Walmart, Target, and warehouse clubs
- -1% base rate on non-bonus categories is below average
- -$39 annual fee, no welcome bonus and no intro APR
- -29.24% variable purchase APR
- -No travel benefits or lounge access
- -Cash back rewards not transferable to airline partners
Who It's Best For
Best For
- Foodies and diners who spend heavily at restaurants
- Households with significant grocery spending (excluding warehouse clubs)
- Entertainment enthusiasts who attend concerts and events
- Streamers with multiple subscription services
- Fair-credit applicants who spend enough in the 3% categories to cover the $39 annual fee
Not Ideal For
- Shoppers who buy groceries at Walmart, Target, or warehouse clubs (excluded)
- Travel-focused spenders who want miles or travel benefits
- Those seeking premium travel perks like lounge access
- High spenders who could justify annual fee cards with better rates
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Cap One 1/6 | You won’t be approved for a second Capital One card if you’ve opened one in the past six months |
Payment Terms
| Purchase APR | 29.24% (Variable) |
| Cash Advance APR | 29.24% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Card Family
Savor family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Savor | entry | $0 | |
| Capital One Savor Student | entry | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
Video Reviews
8 videosCapital One Savor - My HONEST Review After 2 Years
Capital One Duo Setup: Best Two-Card Combo in 2025
Capital One Savor vs Savor One (Credit Card Overview)
Capital One Savor One - My UNBIASED Review After 1 Year
Capital One Savor Credit Card Review 2025 | Benefits | Rewards | Pros & Cons | Referral Bonus
Capital One Savor Card - Is It Worth It In 2025
Capital One SavorOne Rewards Review 2025 | Pros & Cons | Is it Worth it?
Third-Party Articles & Reviews
Capital One SavorOne Review: A Rewarding Card for Fair Credit
NerdWallet's expert review analyzing the SavorOne as a fair credit option with strong rewards categories. Discusses the $39 annual fee and break-even analysis for cardholders.
Capital One Savor Cash Rewards Credit Card Review (2026)
Frequent Miler's expert analysis from a points and miles perspective, comparing cash back value to transferable points cards and discussing card family strategies.
Capital One SavorOne Cash Credit Card Review: Full details
Comprehensive review from The Points Guy covering rewards structure, benefits, fees, and overall value proposition. Includes TPG rating of 3 stars and detailed analysis of the card's place in the market.
Capital One Savor vs. SavorOne: Which Card Fits Your Lifestyle?
Side-by-side comparison of the two Savor variants helping readers determine which card better matches their spending habits and credit profile.
Capital One SavorOne Cash Rewards Credit Card Review
Bankrate's comprehensive analysis of the SavorOne card highlighting its position as a top fair credit rewards card with diverse bonus categories and strong earning potential.
Capital One Savor Benefits (2026)
WalletHub's detailed benefits guide for the Capital One Savor family, including Mastercard World Elite perks, insurance coverage, and lesser-known card benefits.
SavorOne Rewards from Capital One Review 2025
The Daily Drop's 2025 review covering the relaunched SavorOne card with focus on practical earning strategies and bonus category maximization tips.
7 Valuable Benefits of the Capital One Savor
Deep dive into seven key benefits of the Capital One Savor family of cards, including both the original Savor and SavorOne variants. Covers hidden benefits and maximizing value strategies.
Capital One SavorOne Is Now Just 'Savor'
News article explaining Capital One's 2024 rebranding of the SavorOne card family and the subsequent 2025 revival of the SavorOne name for a new fair credit variant.
Capital One SavorOne Cash Rewards Credit Card Review: A Low-Cost Way to Rebuild Credit
AwardWallet's review emphasizing the SavorOne's value for credit rebuilding while earning solid rewards. Discusses credit requirements and approval odds.
Capital One Brings Back the SavorOne Card — Here's What's New
News coverage of the August 2025 SavorOne relaunch with analysis of the new $39 annual fee variant for fair credit applicants and how it differs from the original.
Capital One SavorOne Cash Rewards Credit Card Review
Credit Karma's review focusing on the card's suitability for different spending profiles and credit levels. Includes user ratings and real-world spending examples.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Capital One | — | Capital One |
| NerdWallet | — | NerdWallet |
| WalletHub | — | WalletHub |
| Capital One | Capital One: Multiple card facts | |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Capital One | Capital One | |
| Capital One | Capital One |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
