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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Capital One SavorOne Rewards review: Earn cash back on dining and entertainment with a low annual fee
Chris Nelson is a credit cards writer for TPG. He specializes in budget travel, hotels, earning elite status through minimal spending and redeeming points for maximum value.
November 14, 2025 • 7 min read
SHUTTERSTOCK
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note:
Quick summary
This cash-back card is designed for individuals with fair credit or those rebuilding their credit profile.
It offers elevated cash-back rates at select merchants in categories like dining, entertainment and groceries, with no foreign transaction fees.
The card does not feature a welcome bonus and provides limited additional benefits beyond basic protections and credit-building tools.
Recent changes include a modest annual fee, replacing a previous no-fee version.
What to consider
Eligibility is generally best for those with a fair credit score, typically starting around 580.
Bonus cash-back rates exclude certain merchants such as superstores and some entertainment venues, so review category definitions closely.
Redemption options include statement credits, gift cards and select merchant platforms, but access to travel transfer partners requires pairing with a separate miles-earning product.
What you'll miss from the article
A detailed comparison of similar starter cash-back cards, including those with simpler earning structures or no annual fee.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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Capital One SavorOne Card overview
The Capital One SavorOne Cash Rewards Credit Card is a low-annual-fee option offering cash back on dining, entertainment and grocery spending. While you can earn more with other cash-back cards, the SavorOne is a solid option for those with a limited credit history who want to earn cash back in popular bonus categories.
Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The SavorOne has been reintroduced with a $39 annual fee and is designed for individuals with fair credit or those rebuilding their credit score. The annual fee is low enough to justify and can easily be recouped with minimal monthly spending across popular bonus categories.
Typically, the "One" designation in the card name (e.g., SavorOne and QuicksilverOne) on most Capital One products indicates that a card is aimed at those with fair credit. TPG recommends a fair credit score of at least 580 for a good chance at approval with these cards from this issuer.
Here's what else you need to know about this cash-back card.
Capital One SavorOne Card pros and cons
Pros
Cons
Elevated earning rates in popular bonus categories
No foreign transaction fees
No access to transfer partners
Capital One SavorOne Card welcome offer
The SavorOne doesn't feature a welcome bonus. If you're looking to earn a bonus on a new card, consider the Capital One Savor Cash.
The SavorOne is limited in the benefits it offers, with the main one being that the card does not charge foreign transaction fees.
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Other perks include automatic credit line reviews, which can be useful when building credit. You'll also receive access to your FICO score for free and $0 fraud liability protection.
Lastly, as a cardholder, you'll receive 50% off beverages every day at Capital One Cafes.
Capital One broadly defines entertainment, so you will be covered on many fronts if you want to earn bonus cash back. Its terms state:
"Ticket purchases made at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys. This excludes golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services."
Transferring miles to partners typically offers the highest redemption value, often far exceeding 1 cent per mile.
Given the SavorOne's bonus-earning rates, this can be a good rewards route to take, especially if you can leverage any of Capital One’s remaining transfer sweet spots.
Which cards compete with the Capital One SavorOne Card?
If you're debating whether this card is worth adding to your wallet, consider these other options that might also be a good fit for your needs:
If you don't want to track bonus categories: The Capital One QuicksilverOne Cash Rewards Credit Card is another option for those with limited credit history and has the same $39 annual fee as the SavorOne. It has a simple earning structure, offering unlimited 1.5% cash back on all purchases, making it great if you have a lot of spending outside of the Savor’s bonus categories. To learn more, read our full review of the QuicksilverOne Cash Rewards card.
If you prefer rotating quarterly categories: The no-annual-fee Discover it® Cash Back Credit Card is one of our top picks for starter cards and offers 5% cash back on the first $1,500 in purchases each quarter at select merchants. Additionally, you'll earn 1% back on all other purchases, and Discover will match all cash back earned in the first year. To learn more, read our full review of the Discover it card.
The information for the Discover it Cash Back Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
If you have fair credit and want to earn bonus rewards, this card is a solid option. However, there are other options for those with less-than-ideal credit that don't have an annual fee. If you have established credit, you should opt for the no-annual-fee Savor Cash Rewards. I currently hold the Savor Cash Rewards and get good value out of it.
The SavorOne offers a solid cash-back earning rate in various everyday spending bonus categories. However, its lack of benefits and welcome offer are a downside. Even if you have a limited credit score and history, there are card offerings that offer similar bonus earnings and even more benefits without carrying an annual fee.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
