Capital One SavorOne Cash Rewards Critical Analysis


Unlimited 3% Cash Back In Popular Categories

If you have good to excellent credit and are looking to save money on your entertainment and food needs, then look no further. With no annual fee and a generous intro APR, this cash back card is an excellent option for foodies, social explorers and streaming fans alike.

Capital One SavorOne Cash Rewards Credit Card

Intro Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Rewards
1% – 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Earn 8% cash back on Capital One Entertainment purchases

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

Earn 1% on all other purchases
Purchase & Balance Transfer APR
0% intro on purchases and balance transfers for 15 months, then 17.99% – 27.99% (Variable)
Annual Fee
$0

Critics' Overview

The Capital One SavorOne Cash Rewards Credit Card is a top contender in the rewards cards category without annual fees. It is an excellent fit for card seekers that value food and entertainment and are in the market for a well-rounded cash back credit card. It offers a high cash back rate on dining, entertainment, popular streaming services, and grocery stores, making it one of the best cash back cards on the market. We dig into all the important details below.

Card Details From Capital One

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 17.99% – 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

Our Critical Analysis


  • Easily achievable cash bonus
  • Introductory APR for purchases and balance transfers
  • No annual fee
  • No foreign transaction fees

  • Balance transfer fee

The Capital One SavorOne Cash Rewards Credit Card is a top-rated option in the cash back and rewards categories with no annual fee. This card is great for those who thoroughly enjoy food and entertainment. You will earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Even better, you can earn 8% cash back on Capital One Entertainment purchases. If you also enjoy traveling, you can book through the Capital One Travel portal and earn unlimited 5% cash back on hotels and rental cars. There are no rotating categories to worry about and the cash back won’t expire as long as your account remains open.

New card members will earn a one-time $200 cash bonus after spending $500 in the first three months from account opening. This is a very low spend requirement compared to competitive cards, making it easy to achieve by using your card on everyday purchases.

Those seeking a 0% intro APR will be happy to hear that the Capital One SavorOne Cash Rewards Credit Card allows you to pay 0% interest for 15 months from account opening on purchases and balance transfers. After the introductory rate, the 17.99% – 27.99% (Variable) will apply. There is a 3% balance transfer fee on the amounts transferred within the first 15 months, but if you are paying interest on your other card(s) the fee is likely much lower than the interest charges you are accruing each month.

If you have good to excellent credit and are looking for a stellar cash back credit card that offers lucrative rewards on popular categories, then the Capital One SavorOne Cash Rewards Credit Card is the perfect choice for you. Select ‘Apply Now‘ to securely submit your application today.


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.