The Ultimate Guide to Credit Cards™
Tuesday, September 29, 2026

Capital One SavorOne Cash Rewards Credit Card

Jon McDonald

By: Jon McDonald

Editor: Lillian Guevara-Castro

Reviewer: Ashley Fricker

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Are you considering applying for the Capital One SavorOne Cash Rewards Credit Card? Here's a rundown of the key details of the card, along with links to its official website and application.

This card is a steal of a deal for anyone with fair or limited credit who wants to start earning rewards. There's a small annual fee, but the APR is fair and the dining rewards can't be beat for someone who doesn't quite have good credit yet.

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help strengthen your credit for the future with responsible card usage
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
  • Top rated mobile app
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 28.99% (Variable)
Annual Fee $39
Credit Needed Average, Fair, Limited

Interest Rate & Annual Fee

According to the issuer, the Capital One SavorOne Cash Rewards Credit Card currently charges the following APR on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 28.99% (Variable)

The following is the current annual fee for the Capital One SavorOne Cash Rewards Credit Card, as listed by the issuer:

  • Annual Fee: $39
See site for details »

Credit Needed for Approval

The current general credit requirement for the Capital One SavorOne Cash Rewards Credit Card is:

  • Credit Level: Average, Fair, Limited

Our Ratings by Category

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(Ranked #36 out of 44)
★★★★★
4.5

About the Author

Jon McDonald brings more than 15 years of journalism expertise to CardRates.com. Informing financial consumers about emerging trends and companies making an impact in the industry, Jon is most knowledgeable in the areas of budgeting, credit card rewards, and responsible credit use; he strives to bring that experience to readers worldwide. Jon has a passion for writing and editing, and his articles have appeared in publications produced by The New York Times.