How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

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Capital One SavorOne Cash Rewards for Good Credit Review

Capital One SavorOne Cash Rewards for Good Credit

Capital One SavorOne Cash Rewards for Good Credit Review

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. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
Cash Back Details
No rotating categories or sign-ups needed to earn cash rewards
APR
26.99% (Variable) on purchases and balance transfers
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Who is the Capital One SavorOne Cash Rewards for Good Credit best for?

If you spend a significant portion of your budget on restaurants, groceries, entertainment and streaming services, you might be eyeing the Capital One SavorOne Cash Rewards Credit Card, which earns cash back on purchases in those categories. However, that card requires excellent/good credit and is marketed to individuals with credit scores in the 680-850 range.

If your credit is only good (credit scores in the 640-719 range), you have better odds of being approved for the Capital One SavorOne Cash Rewards for Good Credit instead. It offers the same cashback program, but comes with a higher APR and does not offer an intro APR period.

Capital One also issues a version of the card aimed at college students — the Capital One SavorOne Student Cash Rewards Credit Card. And for big spenders, there is the $95 annual fee Capital One® Savor® Cash Rewards Credit Card.

We’ll examine what the Capital One SavorOne Cash Rewards for Good Credit offers and suggest several alternative cards to consider as well.

Card overview

    • 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
    • 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 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
    • No rotating categories or sign-ups needed to earn cash rewards
    • Cash back won't expire for the life of the account and there's no limit to how much you can earn
    • No foreign transaction fee
    • No annual fee
    • You're covered by $0 Fraud Liability if your card is ever lost or stolen
  • Credit needed:
    640 719
    Good
  • 24/7 access to a complimentary concierge service
  • Special access to sporting events, concerts and culinary experiences
  • Extended warranty
  • Travel accident insurance
  • If you misplace your card, lock it easily with the Capital One app

Intro Purchase APR

N/A

Regular Purchase APR

26.99% (Variable)

Intro BT APR

N/A

Regular BT APR

26.99% (Variable)

Annual Fee

$0

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

Pros

  • Generous cashback rewards
  • Useful for building credit
  • $0 annual fee
  • Foreign transaction fee: none

Cons

  • High regular APR
  • No intro APR
  • Lacks a sign-up bonus

What we like about the Capital One SavorOne Cash Rewards for Good Credit

  • Earn cash back in a variety of categories

    Cardholders with the Capital One SavorOne Cash Rewards for Good Credit earn 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. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats. That’s a generous cashback rate for a variety of popular spending categories.

  • Available to applicants with Good credit

    If your credit score is good but not exceptional, you may worry about being rejected for some of the top-of-the-line credit cards on the market. Luckily, the Capital One SavorOne Cash Rewards for Good Credit is a card offering a fantastic cashback program and targeted specifically at applicants with lower credit scores. And since Capital One reports activity to the credit bureaus, this card can be a useful tool in working to improve your score as well. Just keep your utilization low and always make your payments on time.

  • No annual fee or foreign transaction fee

    This card has a $0 annual fee, so you can carry it without paying to do so. Plus, if you happen to travel outside the United States, you can enjoy using it abroad without worrying about a foreign transaction fee being tacked on each time you use the card — there is none.

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

  • High interest rate and no intro APR

    The Capital One SavorOne Cash Rewards for Good Credit has a 26.99% (variable) APR, which is quite high. If you roll over a balance from month to month, you’ll likely be hit with some expensive interest charges. However, if you pay your card off in full every month, you can avoid interest charges entirely.

    While some Capital One credit cards offer a period of 0% intro APR, which can allow you time to pay down a big purchase or a balance transfer without incurring interest charges, the Capital One SavorOne Cash Rewards for Good Credit does not. You’ll start at the regular APR immediately.

  • You aren't offered a sign-up bonus

    Unfortunately, there’s no sign-up bonus available when you get the Capital One SavorOne Cash Rewards for Good Credit.

Alternate cashback card for good credit

Compare it to the Discover it® Cash Back

| Disclosures
Discover it® Cash Back
Discover it® Cash Back
on Discover's secure site
0% Intro APR for 15 months
13.49% - 24.49% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • NEW Intro APR: Get a 0% intro APR for 15 months on purchases. Then 13.49% to 24.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
720 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears 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 card that earns more than 3% cash back, the Discover it® Cash Back might be just what you’re looking for.

Cardholders earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Note there’s a cap on the elevated cashback rate of $1,500 spent per quarter — meaning you can earn a maximum of $75 cash back at that rate before your earnings drop to 1% on all purchases for the rest of the quarter. Still, that’s generous for a card with a $0 annual fee.

Plus, the sign-up bonus is unique in that it’s a cashback match: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

You can also take advantage of solid intro APRs to make a big purchase or transfer a balance from another card. On purchases, enjoy 0% Intro APR for 15 months, after which a 13.49% - 24.49% Variable APR applies. On balance transfers, there’s also 0% Intro APR for 15 months, after which a 13.49% - 24.49% Variable APR applies.

The balance transfer fee is 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. Finally, the foreign transaction fee is none. However, on that last, it’s worth noting Discover is not as widely accepted in some countries as cards on the Visa and Mastercard payment networks.

Because the Capital One SavorOne Cash Rewards for Good Credit is a Mastercard, it might be a better fit if you’ve got a trip abroad planned and want to know if you can use your card most places you visit.

Compare the Capital One SavorOne Cash Rewards for Good Credit to similar cards

Comparison of four different credit cards
Capital One SavorOne Cash Rewards for Good Credit Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Student Cash Rewards Credit Card Discover it<sup>®</sup> Cash Back
Capital One SavorOne Cash Rewards for Good Credit Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Student Cash Rewards Credit Card Discover it® Cash Back
Apply Now
on Capital One's secure site
Apply Now
on Capital One's secure site
Apply Now
on Capital One's secure site
Apply Now
on Discover's secure site
Annual Fee
$0 $0 $0 $0
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. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats 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. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats 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. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically
Welcome Offer
N/A Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening N/A Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Intro Purchase APR
N/A 0% intro on purchases for 15 months N/A 0% Intro APR for 15 months
Regular APR
26.99% (Variable) 16.49% - 26.49% (Variable) 16.49% - 26.49% (Variable) 13.49% - 24.49% Variable APR
Recommended Credit
Good Excellent/Good Fair/Limited Excellent/Good
Card Details
Capital One SavorOne Cash Rewards for Good Credit Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Student Cash Rewards Credit Card Discover it® Cash Back

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

The Capital One SavorOne Cash Rewards for Good Credit is a good choice for consumers with good credit for whom the Capital One SavorOne Cash Rewards Credit Card might be just out of reach. The stripped-down version of the card comes with no sign-up bonus, no intro APR and a high regular APR, but it still earns generous cashback rewards on dining, entertainment and more, and charges a $0 annual fee.

Apply Now
on Capital One's secure site