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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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The rating for this card has been determined by our own industry experts who know the in's and out's 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.
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Good to Excellent (670-850)
Capital One SavorOne Cash Rewards Credit Card
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®).
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
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.
Card Snapshot
Welcome Bonus & Info
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
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment 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
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 and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
8% cash back on Capital One Entertainment purchases
5% cash-back on hotels 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 annual fee
No foreign transaction fees
Access to Capital One Dining, Capital One Travel, and Capital One Entertainment
Cons
Rewards are purely cash-back, so there is no access to outsized travel rewards redemptions
Great Card If
You’re looking for an excellent no-annual-fee cash-back credit card (rates & fees)
A large portion of your expenses fall within the cards bonus categories of dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®)
For those looking for a cash-back credit card with great bonus categories and no annual fee (rates & fees), 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, and 8% cash back on Capital One Entertainment purchases — not to mention 1% cash back on all other eligible purchases. You can see how these rates could add up to some serious cash-back savings throughout the year.
Capital One SavorOne Card Top Benefits
Access to Capital One Platforms
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.
0% Intro APR
Your card offers you a 0% intro APR for the first 15 months on purchases and balance transfers; variable rate of 19.99% - 29.99% thereafter (rates & fees). This allows those that are interested to finance large purchases over that initial 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 introductory period.
Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer you at any other time.
Best Ways To Earn and Redeem Cash-back
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.
Alternative Cards to the Capital One SavorOne Card
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
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 Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
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.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
No annual fee
Excellent cell phone insurance
Ability to pool points
Mastercard World Elite benefits
Cons
3% foreign transaction fees in U.S. dollars
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
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.
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)
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.
Pros
Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Flexible redemption options
No annual fee
Cons
No bonus categories
3% foreign transaction fees
Lack of premium travel benefits
Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
Financial Snapshot
APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
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.
Frequently Asked Questions
Does the Capital One SavorOne card have an annual fee?
The Capital One SavorOne card does not charge an annual fee (rates & fees).
What credit score is needed for the Capital One SavorOne card?
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.
Is the Capital One SavorOne card worth it?
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®).
What are the benefits of the Capital One SavorOne card?
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 (rates & fees), and more.
Is the Capital One SavorOne card a Visa or Mastercard?
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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