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Capital One SavorOne Cash Rewards Credit Card: Rewards for Fun-loving Foodies

Capital One SavorOne Cash Rewards Credit Card review
KEY TAKEAWAYS
  • With the Capital One SavorOne Cash Rewards Credit Card, you can earn unlimited 3% cash back on dining, entertainment and at grocery stores (excluding superstores like Walmart? and Target?) and 1% cash back on all other purchases.
  • What we think: The Capital One SavorOne Cash Rewards card is a solid choice, with no annual fee and rewards covering a range of activities. If you’re a big spender, though, you may want to consider other options.
  • It’s easy to earn the $200 sign-up bonus on the SavorOne card, all you need to do is spend $500 within the first three months of opening your account.
  • You can make large interest-free purchases within the first 15 months of qualifying for the card thanks to Capital One’s 0% APR introductory offer (19.99% - 29.99% variable APR after that) on purchases and balance transfers?(a balance transfer fee of 3% still applies for the first 15 months; then 4% at a promotional APR that Capital One may offer you at any other time).
SUMMARY

Among all of the Capital One credit card offerings, the Capital One SavorOne Cash Rewards Credit Card is an interesting option for foodies who want to get the most rewards from purchases in restaurants.?

We’ve conducted an in-depth review of the SavorOne card and will cover the important information you need to know, including:

  • Capital One SavorOne’s pros and cons
  • The card’s rates and fees
  • SavorOne’s rewards
Pros & Cons

Pros

  • No rotating categories that you need to sign up for
  • No spending cap
  • No annual fee

Cons

  • High APR
  • Good or excellent credit recommended
  • Low sign-up bonus
Capital One SavorOne Cash Rewards Credit Card
LEARN MORE
Key Information
Earn 3% cash back on dining purchases, entertainment, and popular streaming services. Earn 3% cash back at grocery stores, and earn 1% cash back on all other purchases. $0 annual fee.

Is the Capital One SavorOne Cash Rewards Credit Card worth it?

The Capital One?SavorOne card is probably worth it if you’re on a budget and mainly spend on dining, shows, streaming, travel, and days out. While it doesn’t have the best rewards rate in any bonus category, it spans an impressive range of habits and interests.

The biggest benefits of the Capital One?SavorOne only come if you use the Capital One Travel and Capital One Entertainment portals, plus the stores and streaming services you have access to are limited.

Let’s look at the pros and cons in more detail.

Pros
  • High cash-back rates:?Benefit from a decent 3% cash-back rate?on?dining, entertainment, popular streaming services and grocery stores. For instance, spending $300 monthly on eligible takeout and restaurants puts $108 back in your pocket each year. With an outstanding 8% cash back on Capital One Entertainment purchases, it’s even better if you frequently buy tickets for concerts and experiences through Capital One’s portal. Likewise, you can get 5% off hotels and rental cars if you book through the Capital One Travel portal.
  • Uber benefits:?If you’re on a mission to find the best takeout in town, let the SavorOne card be your personal concierge. Offering a tantalizing 10% cash back on Uber Eats and Uber Ride services until November 2024, it’s a prime choice for those who love takeout and taxis.
  • No annual fee:?With no annual fee, you can reap rewards without worrying about recurring costs.
  • Intro APR:?You won’t pay APR for 15 months, giving you more than a year to make purchases of any size without interest (19.99% - 29.99% variable APR after the intro period ends). That’s essentially an interest-free loan you can use to buy something substantial like a holiday, potentially saving you hundreds of dollars in interest.
  • No foreign transaction fees:?If you love to travel but don’t love getting charged for spending in a different currency (who does?), this card has your back. Say you spend $1,000; you avoid a 3% transaction fee while abroad and get $30 more to spend on making memories you’ll never forget.
  • Flexible redemption:?With multiple ways to redeem rewards, including cash back, statement credits, gift cards and shopping on Amazon.com, you can access them in the most convenient way for you.
Cons
  • Limited streaming services:?While the card claims to cover popular streaming services, it excludes some of the most used platforms, such as Amazon Prime Video.
  • Specific spending categories:?The card spans multiple spending categories but doesn’t suit everyone’s habits and preferences. If you love traveling but don’t care much for takeout or TV, the rewards might not stack up high enough to make it worthwhile.
  • Excludes superstores:?While getting 3% back on grocery store purchases is a major selling point for the card, it doesn’t apply to superstores such as Costco, Target and Walmart.
  • High credit requirements:?If you have a credit score below 670 or so, there’s a good chance you won’t get accepted for this card. That means you have to?build credit?with a starter card and won’t be able to access SavorOne benefits for up to 18 months.
  • Exclusive portals:?You only get higher rewards at 5% or 8% for travel and entertainment purchases if you book tickets through the Capital One travel or entertainment portal. This limits your booking options and might prevent you from getting deals elsewhere.

Learn more about the SavorOne Rewards Card

Rewards

Earning and redeeming cash back and rewards is easy with the Capital One SavorOne Credit Card for several reasons. Namely, if you go grocery shopping for breakfast and lunch, order takeout for dinner and head to a live show on weekends, you’ll earn cash back on regular expenses without any extra effort. Flexible redemption options mean you can use rewards to enhance your financial health however you see fit.?

Below, we break down how to earn and redeem rewards with the?Capital One SavorOne Cash Rewards credit card.

Earning rewards

Earning rewards is automatic with the Capital One SavorOne Cash Rewards Credit Card. All you have to do is spend as usual on groceries, event tickets, takeout, restaurants and streaming, and you’re earning cash back.?

Here’s how it works.

And the rewards don’t end there. One of the best things about the SavorOne card is that you don’t have to worry about your hard-earned cash back expiring as long as your account is open. What’s more, there’s no cap on the amount of cash back you can rack up — no cap! Whether you spend modestly or throw caution to the wind, the cash back keeps piling up.

Redeeming rewards

Capital One makes it easy to redeem cash back, rewards and your sign-up bonus.

There are two methods to choose from:

You can also automate cash-back redemptions in one of these two ways:

Other benefits

The Capital One SavorOne Cash Rewards Credit Card has an array of other benefits that fun-loving foodies might enjoy:

1

Travel insurance

Keeping a Capital One SavorOne in your pocket provides a safety net whenever you go on an adventure. Built-in travel insurance covers travel accidents for eligible purchases.

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2

Capital One Travel Portal access

If you’ve got wanderlust, you can increase your money-saving potential with Capital One Travel. The platform lets you book flights, rental cars and hotels from one convenient location, with 5% cash back on hotels and car rentals.

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3

Extended warranty

Wave goodbye to paying extra for extended warranties on eligible items for up to a year, giving you extra peace of mind when you purchase that new Steam Deck.

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4

$0 fraud liability

With online shopping and digital payments overtaking in-person spending, cybersecurity protections have never been more important. The SavorOne has $0 fraud liability, so you’re 100% covered if you spot a fishy transaction on your bank statement.

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5

Capital One Shopping

Who doesn’t love shopping online? Score great deals and effortlessly save money with the Capital One Shopping browser extension and mobile app, which helps you find and apply discounts at the checkout.

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6

Concierge service

Get personalized assistance for booking travel experiences, delectable dinners and evenings of entertainment, 24 hours a day, 365 days a year.

See More See Less

Fees, rates & limit

We always recommend seeking credit card options that complement your lifestyle and reward you for being you.?

Let’s break down the fees, rates and credit card limit so you can decide whether Capital One SavorOne is the best credit card for you.?

Fees

Here are the Capital One SavorOne Cash Rewards credit card fees:

Interest rates

Let’s explore how the Capital One SavorOne Cash Rewards card’s interest rates measure up:

Credit limit

Users report credit limits of between $1,000 and $10,000 on the Capital One SavorOne credit card. However, Capital One doesn’t list a minimum or maximum limit, so your limit could be higher or lower, depending on your credit score and history.

Responsible credit use leads to credit limit increases over time, so always spend within your means and don’t go wild with takeouts and nights out!

Capital One is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Capital One products:

Compare More Capital One Credit Cards See cards side-by-side Credit Cards with Mouse Cursor COMPARE CARDS

How the Capital One SavorOne Cash Rewards Credit Card compares

The SavorOne Cash Rewards card offers decent cash-back rates with no annual fee or foreign transaction fees, making it a great choice for fun-loving foodies and travelers looking to save on their main areas of expenditure.?

You get 3% cash back on groceries, restaurants and takeout, streaming services and fun days out, plus 5% off hotels and car rentals through Capital One’s travel platform. The cherry on the cake is 8% off entertainment when paying with your SavorOne card via the Capital One Entertainment ticketing platform.

Although these features are strong if you have a particular lifestyle, APR is relatively high after the introductory period, and you can get even higher reward rates from other cards.?

Capital One SavorOne Cash Rewards Credit Card vs. Savor Rewards credit card

Here are the main differences between Capital One SavorOne Cash Rewards card and its cousin, the Savor Rewards card:

Capital One SavorOne Cash Rewards Credit Card vs. Capital One Quicksilver Cash Rewards Credit Card

Here’s a quick overview of how the SavorOne and Capital One Quicksilver cards compare:

See more in our full comparison of Capital One SavorOne vs Quicksilver.

Should I get the Capital One SavorOne Cash Rewards Credit Card?

Whether the Capital One SavorOne Cash Rewards card works for you depends on your spending habits, income and priorities. If your calendar is packed with weekend theme park visits and movie nights and you’re partial to takeout, it could be worthwhile. Not many cards cover eating in and out, entertainment and streaming with no annual fee.?

That said, if you’re a big spender on nights out and groceries and shop at Costco, you’ll be better off with other cards, even if they charge a fee, such as the Amex Blue Cash Preferred.

If you want to stick with Capital One but don’t think the SavorOne card is for you, check out our other Capital One credit card reviews to see if any of these would be a better fit.

How do I get the Capital One SavorOne Cash Rewards Credit Card?

To secure a?Capital One SavorOne Cash Rewards credit card, you should have an excellent credit score. Other factors, such as employment status, income and debt, can also affect your eligibility, so meeting the credit score recommendation does not guarantee approval.

If you’re confident you qualify, you can learn more about the Capital One SavorOne Cash Rewards Credit Card and decide if you want to apply.

FAQs: Capital One SavorOne

Is the Capital One SavorOne Cash Rewards Credit Card a good credit card?

Overall, Capital One SavorOne is a great credit card. It’s a solid choice for casual spenders who love dining out, cooking at home, watching streaming services, and going on adventures. Its 3% cash-back reward spans all these activities and more for no annual fee.

Is the Capital One SavorOne Cash Rewards Credit Card a Visa or Mastercard?

The Capital One SavorOne is a Mastercard, which means you should have no issues using it almost anywhere credit cards are accepted.

Is the Capital One SavorOne Cash Rewards Credit Card hard to get?

The SavorOne credit card is hard to get unless you have an exceptional credit score of 670 or higher. Other factors such as employment status, income and other debts might also impact eligibility so having an excellent score does not guarantee approval.

What is the Capital One SavorOne Cash Rewards Credit Card credit limit?

There’s no specific credit limit for the SavorOne card. Capital One assigns a limit depending on your creditworthiness and a range of other factors.

Imogen Sharma
Imogen Sharma Finance Contributor

Imogen Sharma is an experienced writer, specializing in business, culture, and financial guidance for young adults. She has contributed to articles for Varo Bank, Lendzi, MoneyTips and Indeed, providing invaluable insights into budgeting, financial planning, and lines of credit.

As a dedicated self-employed writer, she cherishes the opportunity to share her knowledge and experience with others, offering advice so they can master their bank accounts and secure their financial futures. Her articles, published in CMSWire, Reworked, WalletGenius and The Customer, serve as actionable guides to help people make solid financial decisions.

Prior to her writing career, Imogen honed her financial acumen in management roles, excelling in P&L analysis, budgeting and HR. During her tenure at Smith & Wollensky in London, her strategic contributions contributed to a 2% increase in EBITDA over a year, demonstrating her ability to drive financial performance and organizational success.

Imogen’s writing style combines expertise with accessibility, making complex financial topics easily understandable and actionable. With a focus on the long game, she encourages readers to approach financial matters with enthusiasm and determination.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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