Capital One SavorOne Review
Capital One · Dining and entertainment enthusiasts
Our Expert Verdict
Earn 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.
Pros
- No annual fee
- 3% across dining, groceries, entertainment & streaming
- No foreign transaction fees
- Intro APR offer
Cons
- Only 1% base rate
- Requires good credit
$200 after spending $500 in 3 months
Key Benefits & Perks
Rewards Breakdown
| Category | Rate |
|---|---|
| Dining | 3% |
| Entertainment | 3% |
| Groceries | 3% |
| Streaming | 3% |
| Everything else | 1% |
In-Depth Review
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.
User Reviews
Customer Reviews
2 reviews
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.
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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