No annual feeExcellent credit score required
0% introductory APR for 15 monthsOnly 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

Hidden perks

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.

Comparing Capital One SavorOne Cash Rewards with similar cards

Capital One SavorOne Cash Rewards

Apply now with Capital Onelock-icon
Reward rate3.00%
Reward detailsEarn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
Intro Bonus:$200 Annual fee$0
Regular APR19.99% - 29.99%

Wells Fargo Active Cash®

Apply now with Wells Fargolock-icon
Reward rate2.00%
Reward detailsEarn unlimited 2% cash rewards on purchases with no categories to track or quarterly activations
Intro Bonus:$200 Annual fee$0
Regular APR20.24% - 29.99%
Read full review

Discover it® Cash Back

Apply now with Discoverlock-icon
Reward rate1% - 5%
Reward detailsEarn 5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate. Earn 1% cash back on all other purchases automatically.
Intro Bonus:Equal to the cashback you earn in first year Annual fee$0
Regular APR16.49% - 27.49%
Read full review

Beyond the basics

Balance transfer intro APR 0% intro APR for 15 months, 3% fee on the amounts transferred within the first 15 months
Cash advance APR 25.24%
Foreign transaction fees None
Loan APR N/A
Late payment fee up to $40
Penalty APR None
Credit score required 750+

Other offers

  • Account managementBenefits 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.
  • Fraud coverageCapital 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.
  • Mobile app and digital servicesUsing 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.
  • Travel and retail benefitsEnjoy 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.

What we like about this card

The top features that stand out about the Capital One SavorOne Rewards credit card are the generous rewards program, attractive cash back offerings, and consumer-friendly features:

Unlimited cashback

Cardholders earn unlimited cash back on everyday purchases, with a particular emphasis on dining and entertainment expenses. This is perfect for those who enjoy dining out, attending events, and making the most of their leisure time.

No annual fee

There’s no annual fee or foreign transaction fees, enhancing the card's accessibility and making it an attractive option for a broad range of consumers.

Introductory bonus

The Capital One SavorOne Rewards card offers an appealing introductory bonus and new cardholders have the opportunity to earn a substantial cash back bonus.

Simple rewards redemption

The simplicity and flexibility of redeeming rewards in hassle-free ways adds an extra layer of convenience.

Drawbacks and considerations

While the Capital One SavorOne Rewards credit card offers a range of appealing features, it's important for potential cardholders to be aware of certain drawbacks and considerations before committing to this credit card:

Reward structure

The rewards structure heavily emphasizes dining and entertainment purchases. Individuals with different spending patterns may find the rewards less lucrative. If a substantial portion of one's expenses falls outside these categories, the overall cash back earnings might be lower compared to cards with broader rewards structures.

Lack of premium rewards

There are no premium rewards tiers. While the Capital One SavorOne Rewards card offers competitive benefits, it lacks the premium features found in some other credit cards. Cardholders who desire exclusive perks such as airport lounge access, travel credits, or concierge services may find other cards better suited to their needs.

High APR

The card can have a high APR after the 0% intro period, especially for those with lower credit scores.

How to decide if this card is right for you

Deciding if the Capital One SavorOne Rewards credit card is the right fit for you involves a thoughtful evaluation of your spending habits, lifestyle, and financial goals. Here are key considerations to help determine if this card aligns with your needs:

Assess your spending patterns

This card is tailored for people who frequently dine out and participate in entertainment activities. If a significant portion of your monthly expenses falls into these categories, the 3% cash back on dining and entertainment could prove highly rewarding. However, if your spending habits are more diverse and extend beyond these specific areas, you may want to explore cards with broader rewards structures to maximize your overall cash back earnings.

Consider your preference for simplicity and flexibility in rewards redemption

For example, this card offers straightforward redemption options, allowing you to easily convert your cash back into statement credits, checks, or gift cards. However, if you prefer to redeem your rewards for travel, there may be better cards out there.

Evaluate your appetite for an annual fee

One of the notable advantages of the Capital One SavorOne card is its fee-free structure. If you prefer to avoid the cost of an annual fee while still enjoying cash back rewards, this card stands out in the market. However, if you are willing to pay an annual fee for additional premium benefits, you may want to explore cards with a tiered rewards system and enhanced perks.

Assess your ability to meet the intro spending requirement

While the card offers an attractive sign-up bonus, it's essential to evaluate whether you can comfortably meet the required spending within the specified timeframe. If the spending threshold aligns with your regular expenses or planned purchases, the introductory bonus becomes a compelling incentive. However, if reaching the required spending amount poses a challenge, you might want to explore cards with more attainable bonus requirements.

Consider your credit score and interest in premium benefits and features

The Capital One SavorOne Rewards card is accessible to individuals with good to excellent credit scores. If your credit history aligns with this criterion, and you're content with a card that doesn't offer premium features like airport lounge access or concierge services, the SavorOne card may be a practical choice. If, however, you prioritize premium benefits, you may want to explore higher-tier credit cards.

Found a perfect pair

Pair your Capital One SavorOne Cash Rewards with Citi Double Cash

Citi Double Cash

Apply now with Citi

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 now with Citi


Credello’s credit card reviews aim to provide readers with clear and unbiased information to help them choose the right credit card that aligns with their financial goals and needs. Our methodology emphasizes transparency, disclosure of any potential biases, and regular updates to ensure the information remains relevant and accurate for readers.The methodology used to review the best Wells Fargo Credit Cards relied on a number of factors, with the most prominent of those being:

  • Assess the interest rates charged on outstanding balances.
  • Evaluate the cost of owning the credit card, including any annual fees.
  • Examine rewards programs, cashback offers, travel perks, and other cardholder benefits.
  • Analyze introductory APR, balance transfer offers, and sign-up bonuses.
  • Consider the card’s credit limit and its suitability for different financial needs.
  • Review late fees, foreign transaction fees, and other charges.
  • Determine the credit score needed to qualify for the card.
  • Research the quality and accessibility of customer support.
  • Assess security measures such as fraud protection and chip technology.

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.

Why Credello?
At Credello, transparency and objectivity are the cornerstones of our credit card reviews. We believe in empowering you to make informed financial decisions, free from any bias or influence from credit card issuers. We go beyond the surface, dissecting each card's features and rewards programs through the lens of your spending habits and financial goals. Whether you're a travel enthusiast, a cashback seeker, or a credit-building novice, we tailor our reviews to resonate with your unique needs.


No, the Capital One SavorOne Rewards credit card does not have foreign transaction fees.

This card is designed for people with excellent credit scores, so if you have a fair or poor score, it may be more difficult to get approved.

The main difference between the Capital One SavorOne and Capital One Savor lies in their rewards structures and annual fees. While both cards emphasize dining and entertainment, the Savor offers higher cash back rates (4% on dining and entertainment) but comes with an annual fee. In contrast, the SavorOne provides slightly lower cash back rates (3% on dining and entertainment) but has no annual fee.

Typically, Capital One allows product upgrades, but it’s subject to approval based on your creditworthiness. If eligible, you may request an upgrade from the SavorOne to the Savor card. However, it’s essential to note that this decision depends on various factors, and Capital One will determine your eligibility based on your credit history and financial standing. It’s recommended to contact Capital One directly to inquire about the possibility of upgrading from the SavorOne to the Savor card.

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