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Capital One SavorOne Cash Rewards Credit Card: Full Review [2026]
Jarrod West
Jarrod West
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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year and his work has been featured in o...
A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
Born in the San Francisco Bay Area and raised in Colorado, Ben has been an avid traveler since infancy. His upbringing emphasized travel to grow as a well-rounded person via many family road trips and...
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Capital One SavorOne Cash Rewards Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
2.5
$39
28.99%
Fair
Capital One SavorOne Cash Rewards Credit Card
The Capital One SavorOne card can be a good option if you want to build or rebuild your credit while earning cash-back rewards on everyday purchases, such as dining and groceries.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
2.5
Summary
The Capital One SavorOne card can be a good option if you want to build or rebuild your credit while earning cash-back rewards on everyday purchases, such as dining and groceries.
Card Details
Card Snapshot
Welcome Bonus & Info
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 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.
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
8% cash-back on Capital One Entertainment purchases
5% cash-back on hotels, vacation rentals, and rental cars booked through Capital One Travel
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
No foreign transaction fees
Access to Capital One Dining, Capital One Travel, and Capital One Entertainment
Cons
Charges a $39 annual fee
Rewards are purely cash-back, so there is no access to travel redemptions
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Great Card If
You’ll make good use of the card bonus categories on groceries, dining, entertainment, and popular streaming services.
You can qualify for the Capital One Savor card or another cash-back rewards card with no annual fee.
You prefer a card that earns travel rewards.
Capital One SavorOne Cash Rewards Credit Card — Is It Worth It?
The Capital One SavorOne cardInformation collected independently. Not reviewed by Capital One. may be worth considering if you’re seeking a cash-back rewards card that offers bonus categories for grocery, dining, entertainment, and popular streaming services.
The card charges a $39 annual fee and offers identical cash-back rates and bonus categories as the Capital One Savor card, which doesn’t charge an annual fee. If you can get approved for the Capital One Savor card, you’d be better off with it than the Capital One SavorOne card.
If you’re building or rebuilding your credit and can’t get approved for a cash-back credit card with no annual fee, the Capital One SavorOne card could be a good middle ground for you in the meantime.
Capital One SavorOne Card Top Benefits
The Capital One SavorOne card doesn’t offer very much in the way of benefits, but there are a few notable perks, including:
Travel accident insurance: Get coverage for eligible expenses during your trip when you pay with your card.
Extended warranty coverage: Receive 1 year of additional extended warranty coverage on eligible items purchased with your card.
Capital One Dining: Access cardholder-only reservations at award-winning restaurants and tickets to curated culinary events.
Capital One Cafe discounts: Get 50% off all handcrafted beverages at any Capital One Cafe nationwide.
No foreign transaction fees: Use your card during international travels to earn rewards with no additional fees.
Best Ways To Earn and Redeem Cash-Back
The Capital One SavorOne card has plenty of ways to help you earn more cash-back, including 8% back on Capital One Entertainment purchases, 5% on hotels, vacation rentals, and rental cars booked through Capital One Travel, and 3% back on groceries, dining, entertainment, and popular streaming services.
When you’re ready to redeem your cash-back, you can get a statement credit, redeem it through PayPal, or use it on Amazon. Your cash-back rewards don’t expire for the life of the account, and there are no redemption minimums.
Alternative Cards to the Capital One SavorOne Card
If your credit score is strong enough, you should opt for the Capital One Savor card over the Capital One SavorOne card.
The Capital One Savor card offers all the same benefits and bonus categories as the Capital One SavorOne card. It comes with added benefits, including a welcome bonus offer, a 0% intro APR offer, and Hertz Gold Rewards Five Star status, all without charging an annual fee.
Depending on your credit score, you may be able to get approved for the Citi Double Cash card. It’s a great catch-all cash-back rewards card thanks to its uncapped 2% back on all purchases (1% cash-back when you buy, plus an additional 1% as you pay for those purchases, earned as ThankYou Points), all without an annual fee.
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