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Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

3% Unlimited Cash Back on Dining & Entertainment

Capital One® SavorOne® Cash Rewards Credit Card
  • Regular Purchase APR 15.49%, 21.49% or 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49%, 21.49% or 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for the first 15 months from date of account opening
  • Processing Network Mastercard
Best Benefits
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases
  • Earn a one-time $150 cash bonus when you spend $500 within the first 3 months from account opening
  • 0% intro APR on purchases and balance transfers for the first 15 months after account opening
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for the first 15 months from date of account opening
  • Regular Purchase APR: 15.49%, 21.49% or 25.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months from date of account opening
  • Balance Transfer APR: 15.49%, 21.49% or 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer posted during the first 15 months from account opening. None for transfers that post thereafter
  • Cash Advance APR: 25.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Late Payment Penalty Fee: Up to $39

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At a Glance

A younger sibling to the Capital One® Savor® Rewards, the SavorOne® Card also highlights cash back on dining and entertainment while also extending an appealing 0% intro APR offer.

Ideal for Those Who:

  • Frequently dine out or make purchases in the entertainment category
  • Want a cash back credit card with no annual fee and no foreign transaction fees
  • Plan to pay for your groceries with a credit card over cash or debit
  • Are looking for exclusive cardmember perks that give access to unique experiences not available to the public

Capital One® SavorOne® Cash Rewards Credit Card Review

The Capital One® SavorOne® Cash Rewards Credit Card is targeted at customers who frequently find themselves in a restaurant or at a show, or getting coffee and heading to the theme park after. That’s because the card earns 3% cash back on dining and entertainment purchases – with no limits. You’d also be wise to consider it for grocery purchases, as shopping at supermarkets earns 2% back. All other purchases earn 1% back, so no matter what you buy with it, you’re still getting something in return.

If you spend at least $500 within the first three months as a cardholder, Capital One will send a $150 cash back bonus your way – that’s a 30% return on the required spending threshold. Going back to dining and entertainment, you can also take advantage of perks that are exclusive to Capital One cardmembers. We’re talking intimate, chef-hosted dinners and VIP concert or sporting event access, giving you even more opportunities to maximize the unlimited 3% cash back earning potential.

0% Intro APR

For those looking to dive into a big purchase or transfer an existing balance in exchange for lower monthly payments, the SavorOne® makes life easier with a 0% APR for the first 15 months from the date you open an account. Plus, having the card doesn’t cost a dime, as there is no annual fee. And you can buy confidently when you’re abroad thanks to no foreign transaction fees. 

Should You Apply for the Capital One® SavorOne® Cash Rewards Credit Card?

 While the SavorOne® earns 3% back on dining and entertainment purchases, the Savor® Rewards earns 4%. In the signup bonus department, you’ll get more back with the Savor® Rewards at $500, but you’ll also have to spend more with a $3,000 threshold. There is no 0% APR intro period, though, so the SavorOne® will be a better option if no interest rates are your priority. Overall, the Capital One® SavorOne® Rewards Card can be an advantageous companion to have in your wallet, provided you can take advantage of the areas in which it’s designed to perform best.