The Capital One SavorOne card is a well-known variation of their annual fee card known as the Savor Rewards. For those who seek no annual fee and have groceries, restaurants, and entertainment as their primary expenses, the SavorOne cash rewards credit card can be an excellent choice.
Dining
3%
Entertainment
3%
Streaming services
3%
Groceries
3%
Capital One Travel
5%
All other spends
1%Earn 3% on purchases at restaurants, cafes, bars, lounges, fast-food chains, and bakeries.
Earn 3% on ticket purchases made at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys. This excludes golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services.
Earn 3% on streaming purchases made from eligible music and video streaming services including Netflix, Hulu, and Disney+. Some streaming services such as Prime Video, AT&T TV, and Verizon FIOS On Demand, are excluded, as well as audiobook subscription services and fitness programming.
Earn 3% on purchases at a supermarket, meat locker, freezer, dairy product store, and specialty market. Excludes superstores like Walmart and Target.
Earn 1% on all other purchases.
None
0% intro APR for 15 months
19.74%-29.74% Variable APR
Earn a one-time $200 cash bonus once you spend $1000 on purchases within the first 3 months from account opening.
For pure cash back, card holders can redeem through a statement credit or as cash rewards. Additionally, points can be redeemed for gift cards or for purchases on Amazon.com.
The SavorOne card is a great no annual fee, high earning cash back credit card for those with a credit score in the excellent range. For families and individuals, so long as your primary expenses fall into one of the main categories covered by this card, it can potentially be a nice addition to your wallet.
Always-on-the-road 
Travel is your middle name. When you aren’t taking advantage of transit for your daily commute in the form of cabs, rideshares and trains, you are looking for a weekend escape. And if there is an opportunity to go somewhere, you take it. You are into earning miles, getting hotel upgrades, eating out and making sure your car is always fueled.
Foodie
If there is a new restaurant opening, you are there. You are all about the latest food fusion trend no one has heard of and putting it on the map. You love finding the best new restaurant but also like to go to your old standbys and earning cash back for all. And when you aren’t finding the best new restaurant, you are experimenting with recipes at home, so you also need a good card for reaping the rewards of grocery shopping.
Social butterfly
You are a person of the people and love to hang out with your friends whether it is a beautiful meal out, attending a sporting event or rocking out at a live concert. If something fun is happening, you want to be there and get rewarded for it.
Pantry stocker
You are not happy unless you have a kitchen full of food. You are the designated grocery person in your household, and you are good at it. But what you really like is getting cash back for spending in this category.
The current sign-up bonus is what sets the SavorOne Rewards card apart from the competition. By just spending $500 on the card in three months (relatively easy if used for grocery, restaurant, and entertainment purposes) you can earn an easy $200 in cash back.
An effective way to pair the SavorOne Rewards card is to look into a flat rate card that offers a higher percentage back for miscellaneous purposes. Any expenses outside the 3% categories will only earn you 1% back, so consider a card such as the Citi Double Cash credit card that will pay you 2% back on all purchases – 1% per dollar when you buy and 1% per dollar when you pay the card off.
Apply for Citi Double Cash
0% intro APR for 15 months, 3% fee on the amounts transferred within the first 15 months
25.24%
None
Up to $40
None
Excellent – 750+ score
Benefits such as proactive account alerts, personalized payments, AutoPay, Automatic Credit Line Reviews, and a personal Capital One assistant robot help you keep track of expenses on your account.
Capital One card holders have $0 fraud liability, meaning you don’t need to stress if your card is lost or stolen. With virtual card numbers, you can shop online without giving your actual credit card number away. Also, card holders can lock their card with a few taps and receive security alerts via text.
Using the Capital One Mobile App or online platform, card holders can view their account balances and check their credit score quickly with Capital One’s CreditWise. Additionally, secure your Capital One Mobile login with a fingerprint or customized pattern.
Enjoy Capital One Shopping, Capital One Travel, and Capital One Lounge which allow you to apply coupon codes to purchases, receive extra rewards when booking travel through Capital One, and luxurious amenities in airports respectively.
Say you spent $1,500 in a month with $500 being on groceries, $500 on eligible entertainment, and $500 on expenses not covered in any categories for bonus rewards. You will earn 3% on the $500 for groceries, $500 on the entertainment, and 1% on the miscellaneous expenses. This equates to $15 in cash back for the groceries, $15 in cash back for the entertainment, and $5 for the miscellaneous expenses. Overall, this adds up to $31 for the month in cash back rewards. If this were to stay consistent throughout the year, you will have earned $372 in cash back rewards over a year.
| Pros | Cons |
|---|---|
 No annual fee |  Excellent credit score required |
| 0% introductory APR for 15 months | Only 1% cash back for purchases not included in bonus categories |
| No foreign transaction fees | |
| $200 cash bonus sign-up bonus | |
| Multiple redemption options for rewards | |
| Unlimited 3% rewards on dining, entertainment, streaming services, and grocery stores |
