Capital One SavorOne Cash Rewards Credit Card
MastercardIssued by Capital One
The 'Fair Credit' favorite: Earn 3% back on dining, groceries, and entertainment for a modest $39 annual fee while building your credit.
ANNUAL FEE
$39.00
PURCHASE APR
28.99% – 28.99%
Rate based on prime rate.
SIGN-UP BONUS
-
No welcome bonus is currently available for new cardholders.
TOP CASH BACK
3% cash back
Unlimited 3% cash back on streaming services
Key Benefits
- Unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores
- 8% cash back on Capital One Entertainment purchases
- 5% cash back on hotels and rental cars booked through Capital One Travel
- No foreign transaction fees
- Automatic consideration for a higher credit line in as little as 6 months
Important Limitations
- Individuals with 'Excellent' credit (should apply for the 'Savor' card with no fee and a $200 bonus instead)
- Shoppers at superstores like Walmart or Target (only 1% back)
- Carrying a monthly balance (high 29.99% variable APR)
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Dining | 3% cash back | Unlimited (no annual cap) | Unlimited 3% cash back on streaming services |
| Dining | 3% cash back | Unlimited (no annual cap) | Unlimited 3% cash back on dining. |
| Groceries | 3% cash back | Unlimited (no annual cap) | Unlimited 3% cash back on at grocery stores. |
Fees & APR
ANNUAL FEE
$39.00
REGULAR PURCHASE APR
28.99% – 28.99%
CASH ADVANCE APR
28.99% – 28.99%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$40
BALANCE TRANSFER FEE
$0 OR 4%
CASH ADVANCE FEE
$5 OR 5%
Card Protection & Benefits
Higher Credit Line Consideration
- ✓Get an automatic review for a credit limit increase after just 6 months of on-time payments.
- ✓Maintain a history of on-time payments
Mastercard ID Theft Protection™
- ✓Access to monitoring and alerts to help protect your identity and personal data.
- ✓Enrollment required via Mastercard portal
Security Features
- ✓Card Lock – Instantly lock your card via the mobile app if it's lost or stolen.
Best Use Cases
IDEAL FOR
- Individuals with 'Fair' credit (mid-600s) looking to earn rewards on food and fun
- People who want a card for groceries and dining while rebuilding their credit score
- International travelers with average credit who need to avoid foreign fees
NOT RECOMMENDED FOR
- Individuals with 'Excellent' credit (should apply for the 'Savor' card with no fee and a $200 bonus instead)
- Shoppers at superstores like Walmart or Target (only 1% back)
- Carrying a monthly balance (high 29.99% variable APR)
Maximize Your Rewards Strategy
Earn More Cash Back
- 3% cash back on Dining
- 3% cash back on Dining
- 3% cash back on Groceries
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-227-4825
Terms subject to change · View full terms
Last updated: Feb 18, 2026
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