Capital One SavorOne Cash Rewards Credit Card

Best no-annual-fee card for foodies and entertainment

As the world opens back up, maximize your purchases on four popular categories from dining, entertainment, popular streaming services to grocery stores. (Partner offer)

At a glance

  • 8% Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.
$200
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
15.49% - 25.49% (Variable)
None
25.49% (Variable)
15.49% - 25.49% (Variable)
0% intro on purchases for 15 months
N/A
$0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023

At a glance

  • 8% Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.
$200
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
15.49% - 25.49% (Variable)
None
25.49% (Variable)
15.49% - 25.49% (Variable)
0% intro on purchases for 15 months
N/A
$0
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee

Our Take

TPG Editor's Rating

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3.5/5

Overview

The Capital One SavorOne Cash Rewards Credit Card serves as a great introduction into the world of rewards credit card. For starters, there's no annual fee, so you'll rest easy knowing that you're at an automatic net positive by opening this card. From there, earn 3% on four popular everyday spending categories, redeeming for valuable cash-back rewards back in your pocket. If you travel internationally from time to time, you can even bring this card with you, as there are no foreign transaction fees.

Pros

  • Earning 3% back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores, like Walmart and Target) is a great return for a no-annual-fee credit card.
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.
  • The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases for the first 15 months (15.49% - 25.49% variable APR after).

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).

Who is this card good for?

There are two types of customers that would benefit from the Capital One SavorOne. First, the budget conscious consumer who doesn’t want to pay an annual fee on a credit card but spends frequently on nights out, whether it be at restaurants with friends or at the movies or on concerts, can earn a sizeable 3% return on these purchases. Another subset of consumers would be Capital One Venture Rewards cardholders who want to earn Capital One miles even faster. That’s because you can transfer all the rewards earned on the Capital One SavorOne over to your Capital One Venture card at a 1:1 rate, letting you access Capital One’s 15+ airline and hotel transfer partners.

Earning Rewards

You’ll earn unlimited 3% cash-back rewards on four categories, including dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Once you’ve reached a $25 threshold, you can redeem your cash-back rewards for a statement credit, check, gift card or shop on Amazon.com.

Frequently asked questions