Capital One SavorOne Cash Rewards review

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Advertiser Disclosure

Interest Rate: Purchases
16.24% ‐ 26.24% (0% for the first 15 months)
Balance Transfer
16.24% ‐ 26.24% (0% for the first 15 months)
Rewards
1 - 3% cashback
Signup Bonus
$150 after spending $500


8.8/10
Informr score
The Capital One SavorOne Cash Rewards currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 11 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Capital One SavorOne Cash Rewards is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Finder

This can be an excellent card if you mostly spend your money on dining, entertainment purchases or at grocery stores where you’ll earn the highest cash back. In addition, you’ll get a long intro APR period on balance transfers and purchases, and you won’t pay an annual fee.

- Finder
CreditCards.com

The SavorOne card offers a good rewards rate for cardholders who spend a heavy amount on food, but most cardholders are probably better off searching for a card with a flat 2 percent rate.

- Robin Ratcliff, CreditCards.com
Credit Card Insider

The SavorOne card is a good option to earn a decent amount of cash back on food expenses at no annual fee, so your rewards can potentially be all profit.

- Brendan Harkness, Credit Card Insider
ValuePenguin

If you're searching for a card that combines high rewards for dining and entertainment, it will be difficult to find a better card. We consider the Capital One SavorOne Cash Rewards Credit Card to be one of the best no-annual-fee credit cards currently available.

- Joe Resendiz, ValuePenguin
WalletHub

This Capital One credit card allows people with great credit to savor significant savings long after they finish eating. And who knows, maybe those savings will allow you to travel and sample some new cuisines. Or perhaps saving more on dining will lead to less stress eating.

- John S Kiernan, WalletHub

Details


Interest Rates
Regular APR Interest Rate 16.24% ‐ 26.24% (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.24% ‐ 26.24% (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00


Balance Transfer Fee 3%

None for transferred balances at the Purchase APR after the first 15 months that your account has been open.

Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus $150 after spending $500

On purchases within the first 3 months.

Rewards
All Purchases 1% cash back
Restaurants 3% cash back
Gas No
Groceries 2% cash back
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

3% cash back on entertainment purchases

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits
  • Baggage Delay Insurance
  • Trip Cancellation/Interruption Insurance
  • Roadside Assistance
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Finder

High cash back on dining and entertainment

This can be an excellent card if you mostly spend your money on dining, entertainment purchases or at grocery stores where you’ll earn the highest cash back. In addition, you’ll get a long intro APR period on balance transfers and purchases, and you won’t pay an annual fee.

Read full review

This can be an excellent card if you mostly spend your money on dining, entertainment purchases or at grocery stores where you’ll earn the highest cash back. In addition, you’ll get a long intro APR period on balance transfers and purchases, and you won’t pay an annual fee.

Read full review

Less

CreditCards.com

Rewards designed for foodies

from CreditCards.com

The SavorOne card offers a good rewards rate for cardholders who spend a heavy amount on food, but most cardholders are probably better off searching for a card with a flat 2 percent rate.

Read full review

The SavorOne card offers a good rewards rate for cardholders who spend a heavy amount on food, but most cardholders are probably better off searching for a card with a flat 2 percent rate.

Read full review

Less

Credit Card Insider

Designed for spending on food

from Credit Card Insider

The SavorOne card is a good option to earn a decent amount of cash back on food expenses at no annual fee, so your rewards can potentially be all profit.

Read full review

The SavorOne card is a good option to earn a decent amount of cash back on food expenses at no annual fee, so your rewards can potentially be all profit.

Read full review

Less

ValuePenguin

A great card for a night on the town

from ValuePenguin

If you're searching for a card that combines high rewards for dining and entertainment, it will be difficult to find a better card. We consider the Capital One SavorOne Cash Rewards Credit Card to be one of the best no-annual-fee credit cards currently available.

Read full review

If you're searching for a card that combines high rewards for dining and entertainment, it will be difficult to find a better card. We consider the Capital One SavorOne Cash Rewards Credit Card to be one of the best no-annual-fee credit cards currently available.

Read full review

Less

WalletHub

Best option for saving money on what you eat

from WalletHub

This Capital One credit card allows people with great credit to savor significant savings long after they finish eating. And who knows, maybe those savings will allow you to travel and sample some new cuisines. Or perhaps saving more on dining will lead to less stress eating.

Read full review

This Capital One credit card allows people with great credit to savor significant savings long after they finish eating. And who knows, maybe those savings will allow you to travel and sample some new cuisines. Or perhaps saving more on dining will lead to less stress eating.

Read full review

Less

The Ascent

A hard card to pass up

from The Ascent

While dining and grocery spending will earn premium, unlimited rewards, that's not the only marquee feature. The sign-up bonus, no annual fee, and 0% APR offer can add a ton of value on top of rewards you earn in bonus categories.

Read full review

While dining and grocery spending will earn premium, unlimited rewards, that's not the only marquee feature. The sign-up bonus, no annual fee, and 0% APR offer can add a ton of value on top of rewards you earn in bonus categories.

Read full review

Less

MoneyUnder30

Save while still enjoying the finer things in life

from MoneyUnder30

The Capital One SavorOne Cash Rewards Credit Card is exceptional because of its straightforward and unlimited cash back rewards, great dining perks, and nice bundle of travel related services. It doesn’t blow the competition out of the water, but with excellent introductory benefits and the ab...More

The Capital One SavorOne Cash Rewards Credit Card is exceptional because of its straightforward and unlimited cash back rewards, great dining perks, and nice bundle of travel related services. It doesn’t blow the competition out of the water, but with excellent introductory benefits and the ability to quickly collect cash back, it’s a top choice for users with excellent credit scores.

Read full review

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BankCheckingSavings

Get rewarded for doing what you love in any part of the world

from BankCheckingSavings

This card surely compliments many of those lifestyles that spend heavily on dining and entertainment! Not only does this card offer a fantastic bonus and above average cash back, but this card comes with no annual fee AND no foreign transaction fees. Pretty sweet deal if you ask me!

Read full review

This card surely compliments many of those lifestyles that spend heavily on dining and entertainment! Not only does this card offer a fantastic bonus and above average cash back, but this card comes with no annual fee AND no foreign transaction fees. Pretty sweet deal if you ask me!

Read full review

Less

NextAdvisor

Good pick if you dine out and buy groceries frequently

The Capital One SavorOne Cash Rewards Credit Card is a smart pick for anyone with good to excellent credit looking to not only earn cash back for dining out and grocery shopping, but also take advantage of a 15-month 0% intro APR on purchases and balance transfers.

Read full review

The Capital One SavorOne Cash Rewards Credit Card is a smart pick for anyone with good to excellent credit looking to not only earn cash back for dining out and grocery shopping, but also take advantage of a 15-month 0% intro APR on purchases and balance transfers.

Read full review

Less

Bankrate

A great card for foodies

from Bankrate

If you dine out a lot, spend heavily on entertainment, and want unlimited and easy to redeem cash-back rewards, you can benefit from this card.

Read full review

If you dine out a lot, spend heavily on entertainment, and want unlimited and easy to redeem cash-back rewards, you can benefit from this card.

Read full review

Less

User Reviews


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