This card is built for people who spend a lot on dining, groceries, entertainment, and streaming and want simple cash back without moving into premium-card territory. It works best as an everyday lifestyle card, especially if those 3% categories make up a big share of your monthly budget.
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Terms Apply.
Restaurant and takeout spending
Groceries and streaming bills
Entertainment purchases
The Capital One SavorOne Cash Rewards Credit Card makes sense for cardholders who regularly spend in its 3% categories and want a straightforward cash-back setup. If your budget is heavy on restaurants, grocery stores, streaming, and entertainment, the extra rewards can justify the $39 annual fee without much effort. The lack of foreign transaction fees also makes it a reasonable travel companion for international trips, especially for dining abroad.
It is less compelling if your spending leans toward gas, general purchases, or superstores like Walmart and Target, since those fall outside the card's strongest everyday categories. There is also no welcome bonus to help offset the fee up front. For the right spender, this is a solid keeper card. For everyone else, a no-annual-fee cash-back card will often be easier to justify.
This card fits people who spend heavily on dining, groceries, entertainment, and streaming and want elevated cash back in the places they use most. Its main limitation is simple: if those categories are not central to your budget, the $39 annual fee is harder to defend.
The rewards structure is easy to follow: this card pays extra cash back on food, fun, and a few travel bookings, then drops to 1% everywhere else. The key question is whether those bonus categories match how you actually spend month to month.
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
Est. Annual Rewards
This is not a credit-heavy card, so the practical value comes more from rewards than from built-in statement credits. What benefits it does offer are simple and fairly easy to understand.
Enrollment is required for select benefits
Our app automatically tracks valuable credits so you don't miss any rewards.
Complimentary 6-month Vinous subscriptionTravel 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.
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.
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
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn $2,000 Cash Back
Once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $1,500
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn $1,000 Cash Back
Once you spend $10,000 in the first 3 months from account opening
Annual Fee
$0 intro for first year; $95 after that
Rec. Credit
Excellent
