Capital One SavorOne
No fee
Capital One
Capital One SavorOne
4.5
(1,543 reviews)cashbackrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026Earn 3% cash back on dining, entertainment, popular streaming services, and grocery stores — four high-value categories covering most everyday spending — all with no annual fee. One of the few no-fee cards offering both grocery and dining bonuses simultaneously, ideal for households that eat out and cook at home.
Annual Fee
No annual fee
Purchase APR
19.99% – 29.99%
Rewards
1% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The Capital One SavorOne is best suited for established credit users who dining and entertainment enthusiasts. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- No annual fee
- 3% across dining, groceries, entertainment & streaming
- No foreign transaction fees
- Dining and entertainment enthusiasts
Consider another card if you…
- Only 1% base rate
- Requires good credit
Rewards Breakdown
3% dining, entertainment, groceries & streaming, 1% everything else
| Category | Rate |
|---|---|
| Dining | 3% |
| Entertainment | 3% |
| Groceries | 3% |
| Streaming | 3% |
| Everything else | 1% |
Rewards Distribution
3%
top rate
Dining3%23%
Entertainment3%23%
Groceries3%23%
Streaming3%23%
Everything else1%8%
Sign-Up Bonus
$200 after spending $500 in 3 months
Stable OfferRarely changes
Low: $200Avg: $200High: $200
Current
$200
Bonus History
23
24
26
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 19.99% – 29.99% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
No annual fee
3% across dining, groceries, entertainment & streaming
No foreign transaction fees
Intro APR offer
Only 1% base rate
Requires good credit
The Bottom Line
The Good: The Capital One SavorOne stands out for its no annual fee. The welcome bonus worth $200 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: Only 1% base rate.
Our Verdict: With an editor score of 8/10, the Capital One SavorOne is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Capital One SavorOne?▾
The Capital One SavorOne has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Capital One SavorOne?▾
The Capital One SavorOne currently offers a sign-up bonus worth approximately $200. $200 after spending $500 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Capital One SavorOne?▾
The Capital One SavorOne earns 1% on all purchases, and up to 3% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Capital One SavorOne?▾
The Capital One SavorOne is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Capital One SavorOne charge a foreign transaction fee?▾
No — the Capital One SavorOne has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Capital One SavorOne?▾
The Capital One SavorOne has a variable purchase APR of 19.99% – 29.99%, with a 0% intro APR for the first 15 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Capital One SavorOne best for?▾
The Capital One SavorOne is best for Dining and entertainment enthusiasts. A key advantage: no annual fee.
Expert Review
By Marcus Rivera · 7 min read · Updated 2026-02-01
Who Is the SavorOne Best For?
The Capital One SavorOne is the best no-annual-fee dining and entertainment card. It earns 3% on dining, entertainment, grocery stores, and popular streaming services — an unusually broad set of bonus categories for a free card. If you eat out, go to concerts, subscribe to Netflix, and buy groceries (so... everyone), the SavorOne quietly earns more than most cards costing $95+/year.
Rewards Across Lifestyle Categories
The 3% dining rate matches or beats many premium cards (Chase Sapphire Preferred earns 3x dining but charges $95/year). Adding 3% at grocery stores makes the SavorOne competitive with cards like the Amex Blue Cash Everyday (3% groceries) while also covering dining and entertainment. The entertainment category includes movies, concerts, sporting events, theme parks, and more.
On $800/month in combined dining, groceries, and entertainment spending, you earn $288/year in bonus rewards — pure profit since there's no annual fee. Add a few streaming subscriptions at 3%, and you're pushing $300+/year.
How It Compares
vs. Chase Freedom Unlimited: The CFU earns 3% on dining but only 1.5% on everything else (no grocery or entertainment bonus). The SavorOne's broader 3% coverage makes it the better standalone card. The CFU wins if you're in the Chase ecosystem and want transferable UR points.
The Bottom Line
The SavorOne is a sleeper hit — 3% on dining, groceries, entertainment, and streaming with no annual fee is hard to beat. It may lack the prestige of premium cards, but it quietly outearns many of them on everyday spending.
Customer Reviews
4.5
1,543 reviews
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Chris D.Verified CardholderNov 5, 2026
No-fee card that feels premium
3% on dining, groceries, entertainment AND streaming with no annual fee? Plus no foreign transaction fees? This card checks every box.
EF
Emily F.Verified CardholderOct 15, 2026
Great for everyday spending
Replaced my old rewards card with this. The 3% categories cover most of my spending. Only wish the base rate was higher.
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