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Wednesday, July 1, 2026

Capital One SavorOne Cash Rewards Credit Card

Jon McDonald

By: Jon McDonald

Jon McDonald

Jon McDonald, Managing Editor

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.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

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Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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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.

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CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

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.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card Review

at Capital One®'ssecure website

Our Review »
  • 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
Show MoreShow Less Go to official site and application »
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 28.99% (Variable)
Annual Fee $39
Credit Needed Average, Fair, Limited
See Rates & Fees »

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

Best Overall
(Ranked #35 out of 139)
★★★★★
4.7
Cash Back
(Ranked #22 out of 44)
★★★★★
4.7
Fair Credit
(Ranked #2 out of 17)
★★★★★
4.9
Good Credit
(Ranked #17 out of 50)
★★★★★
4.7
No Credit
(Ranked #26 out of 27)
★★★★★
0
Travel
(Ranked #36 out of 43)
★★★★★
4.5

About the Author

Jon McDonald

Jon McDonald

Managing Editor

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.

View Jon's Full Profile »