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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.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Capital One SavorOne Cash Rewards Credit Card Review

Updated on:
Content was accurate at the time of publication.
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.6
Capital One SavorOne Cash Rewards Credit Card
Rewards Rate
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases
Sign-Up Bonus
Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening
APRs
0% intro on purchases for 15 months, then 19.99% - 29.99% (Variable). 0% intro on balance transfers for 15 months, then 19.99% - 29.99% (Variable). After that, balance transfer fee applies.
We receive commissions from our advertising partners. These commissions do not influence our recommendations. Click here to learn more.
A balance transfer fee applies for promotional rates that Capital One may offer.

Our take:The Capital One SavorOne Cash Rewards Credit Card is a great option for avid foodies, concert goers and sports fans who like earning cash back. For a $0-annual-fee card, it packs a lot of value with unlimited rewards and a solid sign-up bonus.

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

Citi is an advertising partner.

If you enjoy eating out or going to shows and concerts, then the Capital One SavorOne Cash Rewards Credit Card can help you earn cash back rewards on the things you love to do. It’s a $0 annual fee card that earns unlimited rewards on dining, entertainment, select streaming services and more.

This card is designed for people with good / excellent credit. If you meet that requirement and spend a lot on food and entertainment, then this card could be a good fit for you. If you’re not a huge spender in those categories, then a flat-rate cash back card like the Wells Fargo Active Cash® Card might be better for you.

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.

*To see rates & fees for Capital One SavorOne Cash Rewards Credit Card, please click here.

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
    • 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
    • No foreign transaction fee
    • No annual fee
    • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good / Excellent
  • Foreign exchange fees: None
  • 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

Regular Purchase APR

19.99% - 29.99% (Variable)

Intro BT APR

0% intro on balance transfers for 15 months

Regular BT APR

19.99% - 29.99% (Variable)

Annual Fee

$0

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Foreign Transaction Fee

None

Balance Transfer Fee

Balance transfer fee applies

*To see rates & fees for Capital One SavorOne Cash Rewards Credit Card, please click here.

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

Pros

  • Generous cash back rate for dining and entertainment purchases
  • Excellent earning rate on Uber and Uber Eats
  • $0 annual fee
  • Easy-to-earn sign-up bonus
  • Solid intro APR periods

Cons

  • Potentially high APR
  • Bonus categories are limited
  • Target and Walmart are excluded from the higher grocery store cash back rate
*To see rates & fees for Capital One SavorOne Cash Rewards Credit Card, please click here.

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

  • Solid cash back 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 cash back rate on those purchases: 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases.

  • Excellent earning rate for Uber and Uber Eats

    With the Capital One SavorOne Cash Rewards Credit Card, you can earn a whopping 10% cash back on Uber and Uber Eats purchases through Nov. 14, 2024. Plus, you’ll earn a complimentary Uber One membership when you pay for a monthly plan with this card. If you use Uber often, then this perk can offer a ton of savings.

  • Generous sign-up bonus

    New cardholders can earn earn $200 cash back after you spend $500 on purchases within 3 months from account opening.

  • Annual fee

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

  • Intro APR periods on purchases and balance transfers

    The Capital One SavorOne Cash Rewards Credit Card offers a longer-than-average intro APR on both purchases and balance transfers. You’ll get an APR of 0% intro on purchases for 15 months, after which an APR of 19.99% - 29.99% (Variable) will apply.

    There’s also an APR of 0% intro on balance transfers for 15 months. After, a 19.99% - 29.99% (variable) APR applies.

    *To see rates & fees for Capital One SavorOne Cash Rewards Credit Card, please click here.
    A balance transfer fee applies for promotional rates that Capital One may offer.

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 comes with a high APR of 19.99% - 29.99% (Variable). Interest on this card could be particularly costly if you have a lower credit score and land on the high end of the APR range. You should avoid carrying a balance after the intro APR period expires.

    *To see rates & fees for Capital One SavorOne Cash Rewards Credit Card, please click here.

  • Limited spending categories for higher cash back rate

    If you tend to spread your spending around on a lot of different categories, it could make more sense to choose a card with a flat 2% rate on all purchases, like the Wells Fargo Active Cash® Card or the Citi Double Cash® Card, rather than one that is focused on just a few spending categories.

  • Grocery store category exclusions

    If you typically make a lot of grocery purchases at superstores like Target or Walmart, beware that those purchases will not qualify for the higher grocery store cash back rate.

Alternate cash back 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
0% for 12 billing cycles on purchases
17.74% to 28.74% (Variable)
$0
Earn 4X points on dining, takeout, and restaurant delivery, 2X points at
  • Intro Offer: 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. 
  • 4X points on dining, takeout, and restaurant delivery.  
  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!  
  • 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations  
  • 1X point on all other eligible purchases. 
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.74% to 28.74%.
  • No Annual Fee 
  • Points never expire 
  • Every Altitude® Go Visa Card is made with recycled plastic, helping to reduce the amount of plastic waste in the environment.
  • Terms and conditions apply.
660 720 850
Good / Excellent
*The information related to the U.S. Bank Altitude® Go Visa Signature® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

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 higher rewards rate on dining out for a $0 annual fee, the U.S. Bank Altitude® Go Visa Signature® Card offers just that. Cardholders earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.

However, the Capital One SavorOne Cash Rewards Credit Card has the edge on entertainment, which is ideal if the bulk of your spending is on tickets and events. Plus, while the U.S. Bank Altitude® Go Visa Signature® Card offers a similar sign-up bonus, it comes with a much higher spending requirement. Cardholders earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.

The U.S. Bank Altitude® Go Visa Signature® Card also offers an intro APR of 0% for 12 billing cycles on purchases, after which an APR of 17.74% to 28.74% (variable) will apply. On balance transfers, there’s an intro APR of 0% for 12 billing cycles on balance transfers. A 17.74% to 28.74% (variable) APR applies after. The balance transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater.

It basically 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 rewards rate makes more sense.

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 makes a great cash back card to have in your wallet.

But if attending concerts, sporting events and other types of entertainment aren’t high on your list, you may be better off with a card that offers a more generous cash back rate on the types of purchases you spend the most on, such as grocery stores, gas or travel.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information related to the Chase Freedom Unlimited® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The information related to the Capital One SavorOne Cash Rewards Credit Card, Wells Fargo Active Cash® Card, Citi Double Cash® Card, U.S. Bank Altitude® Go Visa Signature® Card, Capital One Savor Cash Rewards Credit Card and Chase Freedom Unlimited® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.