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For food and entertainment rewards, the Capital One SavorOne Cash Rewards Credit Card is a winner. It earns high cash back rates across popular categories that include dining, groceries, and entertainment (see rates and fees). New cardholders can also earn a large welcome bonus. See if it's the right card for you with our Capital One SavorOne review.
Capital One SavorOne Cash Rewards Credit Card
Great for: Dining and groceries rewards
On Capital One's Secure Website.
On Capital One's Secure Website.
Good/Excellent (670-850)
Intro APR
Purchases: 0% intro on purchases for 15 months
Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)
Regular APR
19.99% - 29.99% (Variable)
Rewards Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. Earn 1% cash back on all other purchases.
1%-10% cash back
Annual Fee
$0
Welcome Offer $200 Cash Back after you spend $500 on purchases within 3 months from account opening
$200 Cash Back
Dining and grocery spending will earn premium rewards, but that's not the only showstopper. The sign-up bonus, no annual fee, and a 0% intro APR offer can add a ton of value.
This credit card is a good fit for: Foodies and people who go out often to movies, sports, live music, or other types of entertainment. Consumers who want to pay off purchases over time or refinance credit card debt could also benefit from this card's 0% intro APR.
READ MORE: Best Credit Cards for Dining and Restaurants
Don't be fooled by the long name -- the Capital One SavorOne Cash Rewards Credit Card is all about making your financial life easier. It earns cash back and has no annual fee, two important perks when you'd rather keep it simple with your credit card. Where it really shines is its bonuses, so those are the perfect place to start going over its benefits.
You probably won't have any trouble earning bonus cash back with this Capital One card. It starts you off with a $200 Cash Back bonus after you spend $500 in the first 3 months. That's usually as much as you can expect from a welcome bonus on a no annual fee card. Plus, you don't need to spend much to earn it.
But the main reason people love this card is the bonus categories. It earns 3% cash back in several areas where most consumers spend money every month:
It also earns bonus cash back in a few more specific categories. Uber and Uber Eats is worth an impressive 10% back, plus this card covers an Uber One membership, through Nov. 14, 2024. You'll earn 5% on hotels and car rentals you book through Capital One Travel, and 8% on Capital One Entertainment purchases.
These aren't exactly everyday spending categories, but they could help you pick up some extra cash back. Capital One Travel, for what it's worth, is one of the better travel portals I've used. It's well-designed and it has a price matching and price drop protection feature (which got me an automatic travel credit after a flight).
RELATED: The Ascent's Cash Back Credit Cards Hub
The one piece of credit card advice I give to absolutely everyone is to avoid interest charges at all costs. This can make or break your experience. Whenever someone has a credit card horror story, it usually involves paying a ton of interest.
Now, the best way to not get charged any interest is to pay your credit card in full every month. But if you can't do that, this Capital One card gives you an alternative: A 0% intro APR on purchases and balance transfers for 15 months. The go-to 19.99% - 29.99% (Variable) APR applies after the intro period ends. For balance transfers, there's an introductory balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time.
So, if you need to pay off purchases over time, you can. Or if you have debt on other credit cards costing you a ton of interest, you could transfer them over to take advantage of the balance transfer offer.
I would never recommend carrying a balance just because you can. But if you need to, you're better off doing it on a card with a 0% intro APR, like this one.
As I've mentioned, this Capital One card has no annual fee. You never have to ask yourself if you're getting your money's worth -- one of the many benefits of paying $0 for your credit card.
Most cash back cards have no annual fee, to be fair. But many of them charge a foreign transaction fee, normally 3% on all international transactions. That can definitely kill the vibe of your vacation, or leave you with an unpleasant surprise when you get home.
This Capital One card has no foreign transaction fee, so it's a good choice for spring break in Cabo, summer in Portugal, and winter anywhere it's not freezing cold.
The best credit cards aren't just a way to pay for expenses. They also provide protection from things like fraud, purchases breaking down, and even travel issues.
Like every good credit card company, Capital One has $0 fraud liability for unauthorized charges. This card also includes several other great protections, including:
There isn't much to criticize about this card. The biggest downside is arguably how selective Capital One is about approvals (you'll find details about the suggested credit score further below). But there's one potential drawback to mention.
This card earns bonus cash back in several popular categories. But it's not the best card in any of those categories, at least in terms of the cash back rate.
If you spend a lot on going out to eat, there are cards that earn 4% back on dining. If you're more of the home-cooked meal type (or the frozen meal type), there are cards that earn as much as 6% back at U.S. supermarkets.
The appeal with this Capital One card is that it earns a high rate across multiple categories, and all for no annual fee. That's great if it fits your spending habits. On the other hand, if you mostly spend in just one or two of those categories, you may be able to find a card that will earn you more cash back in those areas.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
You will need good to excellent credit to qualify for Capital One SavorOne Cash Rewards Credit Card -- a FICO® Score of at least 670 will give you a chance, but a score in the 700s will make it a lot easier for you to qualify. Capital One wants potential cardholders to have excellent credit, by which it means that you have:
That said, Capital One stresses that these are only guidelines in its decision to award you the card. Other factors can and will be considered. If your credit score is well below the recommended guidelines, you may want to work on it first, or check out more credit card reviews to find a better fit for you.
Food and entertainment are some of your biggest monthly expenses. With its cash back rates, the Capital One SavorOne Cash Rewards Credit Card will be one of the best credit cards you can find. The combination of premium rewards and no annual fee is hard to beat.
RELATED: Best Capital One Credit Cards
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
---|---|---|---|---|---|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you've earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 28.24% Variable APR |
||
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
75,000 Miles 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening | 2X-5X miles Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. |
Intro: Purchases: N/A Balance Transfers: N/A Regular: 19.99% - 29.99% (Variable) |
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
No, the Capital One SavorOne Cash Rewards Credit Card is made of plastic.
The Capital One SavorOne Cash Rewards Credit Card is a Mastercard. Specifically, it's a World Elite Mastercard®, which is the top tier of Mastercard card types.
Our Credit Cards Experts
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The Motley Fool owns shares of and recommends Visa.