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Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Rewards Rate
3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
Sign Up Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Cash Back Details
No minimums for redeeming and cash back won't expire for the life of the account
Edited by
Julie Sherrier
Reviewed by
Dawn Papandrea
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Capital One SavorOne Cash Rewards Credit Card best for?

Many people choose to spend the “fun” part of their budget on eating out and going to shows, concerts or sporting events. And because it’s often more convenient to pay by credit card when you’re dining out or ordering tickets, it might make sense to explore cards that reward you with cash back for these purchases.

There are a variety of rewards credit cards that cater to a certain lifestyle and spending habits, including those specifically geared toward foodies and entertainment seekers. If you’re among that group, the Capital One SavorOne Cash Rewards Credit Card may be a great choice.

We’ll break down the card’s best benefits and some potential drawbacks, as well as compare it to a similar card to help you decide if it’s the best match for your needs.

Capital One SavorOne Cash Rewards Credit Card overview

    • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
    • 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. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
    • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
    • 0% intro APR on purchases for 15 months; 14.99% - 24.99% variable APR after that
    • No foreign transaction fee
    • No annual fee
  • Credit needed:
    680 850
    Excellent/Good
  • Foreign exchange fees: None
  • Virtual card numbers, security alerts and a card locking feature if you misplace your card
  • Social Security Number monitoring with CreditWise®, which also gives you free access to your credit score
  • Extended warranty
  • Travel accident insurance
  • Complimentary concierge services
  • VIP experiences and exclusive on-site perks for cardholders for select music, sports or culinary events

Intro Purchase APR

0% intro on purchases for 15 months

Intro BT APR

N/A

Annual Fee

$0

Regular Purchase APR

14.99% - 24.99% (Variable)

Cash Advance Fee

3% of the amount of the cash advance, but not less than $10

Foreign Transaction Fee

None

Balance Transfer Fee

$0 at this Transfer APR

Pros and cons of the Capital One SavorOne Cash Rewards Credit Card

Pros

  • 0% intro APR on purchases
  • $0 annual fee
  • Easy-to-earn signup bonus
  • Generous cashback rate for dining and entertainment purchases

Cons

  • Superstore grocery purchases (i.e., Target and Walmart) are excluded from the higher grocery store cashback rate
  • Geared toward consumers with excellent/good credit

What we like about the Capital One SavorOne Cash Rewards Credit Card

  • Annual fee

    The Capital One SavorOne Cash Rewards Credit Card charges a $0 annual fee.

  • Generous signup bonus

    New cardholders can earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

  • Intro APR on purchases

    The Capital One SavorOne Cash Rewards Credit Card offers a 0% intro on purchases for 15 months, after which an APR of 14.99% - 24.99% (variable) will apply.

  • Solid cashback rewards rate on dining and entertainment

    If you’re looking to offset dining and entertainment purchases, the Capital One SavorOne Cash Rewards Credit Card offers a good cashback rate on those purchases: 3% cash back on dining and entertainment; 3% cash back on popular streaming services; 3% cash back at grocery stores; 1% cash back on all other purchases. plus, earn 8% cash back on tickets at vivid seats through january 2023.

  • Foreign transaction fee

    When traveling abroad, you can rest assured your purchases won’t incur any foreign transaction fees since the card charges none.

What to watch out for with the Capital One SavorOne Cash Rewards Credit Card

  • Potentially high APR

    The Capital One SavorOne Cash Rewards Credit Card offers an APR range of 14.99% - 24.99% (variable). While not unusual for a rewards card, be sure to avoid carrying a balance after the intro APR period expires.

  • Limited spending categories for higher cashback rate

    If you realize that you actually spread your spending around on a lot of different categories but still want to earn cash back, it could make more sense to choose a card with a flat 2% rate on all purchases rather than one that is focused on just a few spending categories.

  • Grocery store category exclusions

    If you tend to make a lot of grocery purchases at superstores like Target or Walmart, those purchases will not qualify for the higher grocery store cashback rate.

  • No intro balance transfer offer

    If you’re looking for a card with which to transfer high-interest debt to, the Capital One SavorOne Cash Rewards Credit Card does not offer an intro balance transfer deal. That said, if you do choose to transfer a balance to this card, there is a $0 at this Transfer APR balance transfer fee.

Alternate cashback card to the Capital One SavorOne Cash Rewards Credit Card

Compare it to the U.S. Bank Altitude® Go Visa Signature® Card

Disclosures |
U.S. Bank Altitude® Go Visa Signature® Card
U.S. Bank Altitude® Go Visa Signature® Card
on U.S. Bank's secure site
0% for 12 billing cycles on purchases*
14.99% - 23.99%* (Variable)
$0*
Earn 4X points on dining, takeout and food delivery, 2X points at
  • Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more
  • Earn 4X points on takeout, food delivery and dining
  • Earn 2X points at grocery stores, grocery delivery, gas stations and on streaming services
  • $15 credit for annual streaming service purchases such as Netflix and Spotify
  • No annual fee*
  • 1X point per $1 on all other eligible purchases
  • Low Introductory APR on purchases and balance transfers
  • Points never expire
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you’re looking for a higher rewards rate for dining out, the U.S. Bank Altitude® Go Visa Signature® Card ($0* annual fee) offers a slightly higher cashback rate: Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases.

The Capital One SavorOne Cash Rewards Credit Card has the edge on entertainment, though, if the bulk of your spending is on tickets and events. Plus, the required minimum spend for a similar sign-up bonus is lower with Capital One SavorOne Cash Rewards Credit Card than the U.S. Bank Altitude® Go Visa Signature® Card. With the U.S. Bank Altitude® Go Visa Signature® Card, cardholders earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. (That’s worth about $250.)

Plus, if you use the U.S. Bank Altitude® Go Visa Signature® Card to pay for annual streaming subscriptions, you’ll earn cash back on those expenses, plus a $15 streaming service credit after 11 months of streaming service purchases.

The U.S. Bank Altitude® Go Visa Signature® Card also offers an intro purchase rate of 0% for 12 billing cycles on purchases*, after which an APR of 14.99% - 23.99%* (variable) will apply.

It all comes down to purchase habits. If you tend to spend more on takeout, food delivery and dining than you do on entertainment, the U.S. Bank Altitude® Go Visa Signature® Card’s elevated cashback rate makes more sense.

Compare the Capital One SavorOne Cash Rewards Credit Card to other cards

Comparison of four different credit cards
Capital One SavorOne Cash Rewards Credit Card U.S. Bank Altitude<sup>®</sup> Go Visa Signature<sup>®</sup> Card Capital One<sup>®</sup> Savor<sup>®</sup> Cash Rewards Credit Card Wells Fargo Propel American Express<sup>®</sup> card
Capital One SavorOne Cash Rewards Credit Card U.S. Bank Altitude® Go Visa Signature® Card Capital One® Savor® Cash Rewards Credit Card Wells Fargo Propel American Express® card
Apply Now
on Capital One's secure site
Apply Now
on U.S. Bank's secure site
Read Review
Review Coming Soon
Welcome Offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Rewards Rate
3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023 Earn 4X points on dining, takeout and food delivery, 2X points at grocery stores, grocery delivery, streaming services and gas stations, and 1X points on all other eligible purchases. Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores. Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
Annual Fee
$0 $0* $95 $0
Intro Purchase APR
0% intro on purchases for 15 months 0% for 12 billing cycles on purchases* N/A 0% intro APR for 12 months from account opening
Regular APR
14.99% - 24.99% (Variable) 14.99% - 23.99%* (Variable) 15.99% - 24.99% (Variable) 14.49%-24.99% (Variable)
Intro Balance Transfer Rate
N/A 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening N/A 0% intro APR for 12 months on qualifying balance transfers
Regular Balance Transfer Rate
14.99% - 24.99% (Variable) 14.99% - 23.99%* (Variable) 15.99% - 24.99% (Variable) 14.49%-24.99% (Variable)
Balance Transfer Fee
$0 at this Transfer APR Either 3% of the amount of each transfer or $5 minimum, whichever is greater. $0 3% intro for 120 days from account opening, then up to 5%
Recommended Credit
Excellent/Good Excellent/Good Excellent/Good Excellent/Good
Card Details
Capital One SavorOne Cash Rewards for Good Credit U.S. Bank Altitude® Go Visa Signature® Card Capital One® Savor® Cash Rewards Credit Card Additional card details unavailable

Is the Capital One SavorOne Cash Rewards Credit Card right for you?

If your idea of a good time is dinner and a show, and you do that frequently, the Capital One SavorOne Cash Rewards Credit Card would make a great cash back rewards card to have in your wallet. Not only will you earn a better cashback rate on the things you enjoy spending money on the most, but it’s simple to manage and rewards are easy to redeem.

However, if attending concerts, sports events or other types of entertainment aren’t high on your list, then you’d most likely be better off with a card that offers a more generous cashback rate on the types of purchases you spend on more, such as grocery stores, gas or streaming services.

Apply Now
on Capital One's secure site