Edited by: Stella Shon
& Kellie Jez
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Good to Excellent (670-850)
The Capital One SavorOne card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).
The Capital One SavorOne card is a phenomenal option when it comes to no-annual-fee cash-back credit cards. With popular bonus categories like dining, grocery stores (excluding superstores like Walmart® and Target®), entertainment, and popular streaming services, and the ability to earn 3% cash-back on these purchases, it is easy to see why those who use the card can earn some serious cash-back throughout the year.
The card also offers the ability to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.
For those looking for a cash-back credit card with great bonus categories and no annual fee, then yes, the Capital One SavorOne card would definitely be worth it.
Consider that you’ll earn unlimited 3% cash-back on some of the most popular categories that individuals regularly spend the bulk of their expenses on each month, like dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®). Plus, if you book your travel through Capital One, you’ll also get 5% cash-back on hotels and rental car bookings. You can see how these rates could add up to some serious cash-back savings throughout the year.
Cardholders receive access to 3 unique Capital One platforms: Capital One Dining, Capital One Travel, and Capital One Entertainment.
Through Capital One Dining, cardholders get access to exclusive reservations at award-winning restaurants, and tickets to culinary experiences.
Capital One Travel is your one-stop shop to purchase almost any travel item, including flights, hotels, rental cars, and more. Plus, cardholders earn 5% cash-back on hotels and rental cars booked through the portal.
Booking tickets through Capital One Entertainment can get you exclusive tickets and access at events, along with a whopping 8% cash-back on these purchases when you pay with your card.
Your card offers you a 0% intro APR for 15 months on purchases and balance transfers, then a 19.99% – 29.99% variable APR after that. This allows those that are interested to finance large purchases over that initial 15-month period, without needing to pay any interest, so long as they’ve paid off the item in full when the 0% APR period ends after 15 months.
To earn as much cash-back as possible with your card, you’ll want to make sure to use it for every purchase that falls within one of its bonus categories, including the 3% cash-back categories of dining, entertainment, popular streaming services, and supermarkets (excluding superstores like Walmart® and Target®), along with earning 5% cash-back on hotel and car rental purchases through Capital One Travel, and 8% cash-back on purchases made through Capital One Entertainment. Not to mention that you’ll still earn 1% cash-back on all purchases that fall outside of those categories.
When you’re ready to redeem your cash-back, you can do so as a statement credit to help offset your balance, through Paypal, or even Amazon. Your cash-back rewards never expire and there are no redemption minimums.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Another great no-annual-fee cash-back card with a great assortment of bonus categories is the Freedom Flex card. With it, you’ll earn 5% cash-back on rotating quarterly bonus categories like gas stations and supermarkets on up to $1,500 in spend per quarter. You’ll also earn 5% cash-back on travel purchased through the Chase travel portal, 3% cash-back on dining and drugstore purchases, and 1% cash-back on all other purchases.
The card offers great protections as well, like purchase protection, extended warranty protection, cell phone insurance, rental car insurance, and more.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
The Citi® Double Cash Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
For those looking for an uncomplicated cash-back card without bonus categories, the Double Cash card offers an uncapped 2% cash-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. Depending on your monthly expenses, you might even earn more cash-back on a card that earns a flat 2% cash-back on everything, compared to a card with elevated bonus categories, so be sure to run the numbers for yourself.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Capital One SavorOne card does not charge an annual fee.
There is no set credit score that will guarantee your approval for the Capital One SavorOne card. Issuers also take multiple factors into consideration beyond your credit score, like your income, years of credit history, derogatory marks, and more. That said, if you have a credit score of 700 or higher, you should have reasonably good approval odds for the Capital One SavorOne card.
If you’re looking for a no-annual-fee cash-back credit card with great bonus categories, then yes the Capital One SavorOne card would be well worth it, especially for those whose monthly expenses fall within one or more of the card’s 3% cash-back categories of dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®).
The Capital One SavorOne card offers many benefits, like access to Capital One Dining, Capital One Travel, and Capital One Entertainment. The card also has other benefits like no foreign transaction fees, and more.
The Capital One SavorOne card is a Mastercard.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.