Built for people who spend regularly on dining, groceries, nights out, and streaming, the Capital One SavorOne Cash Rewards Credit Card is strongest as a lifestyle cash-back card rather than a general everyday card. Its bonus categories line up well with common monthly spending, but the $39 annual fee means it makes the most sense for cardholders who will actually use those 3% categories often.
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Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Restaurant and takeout spending
Groceries and streaming bills
Concerts and event purchases
This card is worth it for someone whose budget naturally leans toward dining, grocery store purchases, entertainment, and streaming. If those categories make up a meaningful share of your monthly spending, the 3% cash back can justify the $39 annual fee without needing to rely heavily on niche perks. The lack of foreign transaction fees also makes it more useful than many cash-back cards for travel abroad.
It is a weaker fit if you want a simple low-cost card for all spending or if most of your grocery shopping happens at superstores like Walmart or Target, which are excluded. There is no welcome bonus right now, and the side benefits are modest, so this card works best as a category card for regular lifestyle spending, not as a card that needs to carry your whole wallet on its own.
The SavorOne is a strong fit for cardholders who spend consistently on dining, groceries, entertainment, and streaming. If those categories are not a big part of your budget, the annual fee is harder to justify and a simpler cash-back card will likely be a better fit.
Earning
This card earns straightforward cash back, with most of the value coming from a broad set of everyday lifestyle categories. The key question is not whether the rates look good on paper, but whether your actual spending shows up often enough in dining, grocery stores, entertainment, and streaming to make the card worth carrying.
Entertainment (Capital One Entertainment)
Hotels (Capital One Travel), Vacation Rentals (Capital One Travel), Rental Cars (Capital One Travel)
Grocery stores (excl. superstores), Dining, Entertainment, Streaming services
Everywhere
Annual Credits & Perks
The benefits here are useful but not the main reason to pay the annual fee. Think of them as a handful of travel booking protections and small partner extras that can add value around the edges, rather than premium perks that drive the card on their own.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Complimentary 6-month Vinous subscriptionBenefits
Travel accident insurance
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Extended warranty
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
50% off handcrafted beverages
Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide. Find your Café. Cafés do not provide the same services as bank branches, but all Cafés have ATMs and Ambassadors who can help you. Visit a Café for details. Food and beverages provided by a third party provider. The 50% off handcrafted beverage discount is applicable with the use of any Capital One credit or debit card that is accepted at the Café. Limit one per person (if applicable), while supplies last. Banking products and services offered by Capital One, N.A., Member FDIC. © 2023 Capital One.
Price drop protection
We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.
Price match guarantee
If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$39
Purchase APR
28.99%
Variable
Transfer APR
28.99%
Variable
Cash Advance APR
28.99%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
$40
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit
Once you spend $30,000 in the first 3 months
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $2,175
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
