Capital One SavorOne Cash Rewards Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Capital One SavorOne Cash Rewards Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubEarn $200 initial bonusHigh rewards rate$0 annual fee0% intro APR on purchases and balance transfersHigh regular APRBalance transfer feeRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.6
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
$200 Cash Back
after you spend $500 on purchases within 3 months from account opening
The Capital One SavorOne card is a good credit card that’s worth it for foodies and entertainment lovers who want to earn bonus rewards without paying an annual fee. You can get 3% cash back on entertainment, popular streaming services and dining, which covers everything from fast food to restaurants with Michelin stars. And if you want to cook for yourself, SavorOne has you covered there, too, with 3% cash back at grocery stores. Those earning rates are roughly three times higher than the market average of 1.15% back, which is what you'll earn on all other purchases.
WalletHub Rating Breakdown
User Reviews
3.6/5
322 reviewsRead and write reviews
Editor’s Review
4.8/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
5.0
Rewards
3.9
Cost
4.5
Other Features
0.0
4.2/5
Compared against 1,500+ credit cards
KEY TERMS
$200 Cash Back
after you spend $500 on purchases within 3 months from account opening
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Capital One SavorOne Annual Fee
$0
Capital One SavorOne APR on Purchases
0% intro APR for 15 months, 19.99% - 29.99% (V) APR after that
Capital One SavorOne Balance Transfer
0% intro APR for 15 months, 19.99% - 29.99% (V) APR after that
Balance Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Capital One SavorOne Rewards
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
Capital One SavorOne's Additional Info
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
The Capital One SavorOne card is a good credit card that’s worth it for foodies and entertainment lovers who want to earn bonus rewards without paying an annual fee. You can get 3% cash back on entertainment, popular streaming services and dining, which covers everything from fast food to restaurants with Michelin stars. And if you want to cook for yourself, SavorOne has you covered there, too, with 3% cash back at grocery stores. Those earning rates are roughly three times higher than the market average of 1.15% back, which is what you'll earn on all other purchases.
Credit cards with such savory rewards can sometimes lead to heart burn because of high fees, but that's not the case with Capital One SavorOne. SavorOne also gives you a $200 initial bonus for spending $500 within 3 months of opening your account.
Of course, there are other factors to consider when shopping for a credit card, so it's worth taking a closer look before applying.
Capital One SavorOne Review Highlights
3%cash back on dining, entertainment, popular streaming services and grocery store purchases: You'll earn 3% back on entertainment, popular streaming services (such as Netflix®, Hulu® and Disney+) and when you dine out. You also earn 3% back when you buy from grocery stores to eat in. Plus, you can now get 8% cash back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats through 11/14/2024.
1%back on all other purchases: This is roughly what the average cash rewards card offers on all purchases.
5% cash back on hotels and rental cars: Cardholders can earn 5% back on hotels and rental cars when they book through Capital One Travel.
No annual fee: This saves you $22.29 per year compared to the average credit card and hundreds relative to more expensive offers.
No foreign transaction fee: The average credit card charges 1.56% of any purchase processed abroad.
0% intro for 15 months on purchases and balance transfers: For context, the average 0% period is 11 months for purchases and 13 months for balance transfers.
RFID chip: This means you can "tap to pay" at terminals set up for contactless payments.
Balance transfer fee: The Capital One SavorOne balance transfer fee is 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time. For context, the average balance transfer credit card charges 3.1% of the amount being transferred.
High regular APR: It could be high, based on your credit standing - 19.99% to 29.99% (V).
Everyone has to eat, and using Capital One SavorOne to pay for food is one of the easiest ways to save on this necessity. So it's certainly worth considering if you have the good or excellent credit recommended for approval.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.6
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.0
fees: 3.8
rewards: 3.4
cost: 4.7
Other Features: 0.0
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.5
Market Comparison
3.9
fees: 2.8
rewards: 5.0
cost: 4.0
Other Features: 4.5
(322)
(801)
(6,061)
annual fee$0
annual fee$0
annual fee$39
Purchase Intro APR0% for 15 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
transfer intro apr0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Can't find what you are looking for? Submit your question about Capital One SavorOne Cash Rewards Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The Capital One SavorOne Cash Rewards Credit Card is hard to get because it requires at least good credit for approval. It is difficult to get approved for the Capital One SavorOne unless your credit score is 700 or higher and you have a lot of income.
In order to get the Capital One SavorOne, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to have an SSN.
Keep in mind that even if you meet all of the requirements for the Capital One SavorOne, you're never guaranteed to be approved.
Capital One Savor cardholders report credit limits between $5,000 and $30,000, but you won't know your actual credit limit until you're approved. When determining credit limits, factors such as your debt-to-income ratio, repayment history, and the length of your credit history will play a significant role.
Note that there's no surefire way of knowing your Capital One Savor card's credit limit before applying and getting approved. Keep in mind that this card requires at least good credit for approval....
Capital One SavorOne Cash Rewards Credit Card (see Rates & Fees) is a Mastercard. You can use your Capital One SavorOne (see Rates & Fees) Card at nearly 11 million merchants that accept Mastercard nationwide, and you can use it abroad in more than 200 countries and territories.
There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including extensive worldwide acceptance. As a result, it's more worthwhile to...
To add a Capital One SavorOne (see Rates & Fees) authorized user, log in to your online account and click the “I Want To...” tab, or call customer service at the number on the back of your card. You will need to provide the person's full name, phone number, date of birth, and Social Security number to add them as an authorized user.
A primary cardholder can make anyone a Capital One SavorOne (see Rates & Fees) authorized user, as there are no minimum age requirements.
The credit score you need for the Capital One SavorOne (see Rates & Fees) card is 700 or better. That means people with at least good credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Capital One SavorOne (see Rates & Fees) card, too. Some other key criteria include your income, existing debt load, number of open...
The Capital One SavorOne credit limit starts at $1,000. Capital One will determine your exact credit limit based on a review of your application and your ability to pay at least the minimum amount due each month.
SavorOne requires at least good credit (score of 700+) to have high odds of approval. Applicants with higher credit scores and stronger credit profiles have the best chances of securing a high SavorOne credit limits. Some cardholders...
Capital One SavorOne is not a metal card. There are only two Capital One metal cards currently on the market, the higher-tier Savor card and the Venture Rewards cards.
Metal cards have become increasingly popular in recent years. Issuers have responded by offering more and more metal versions of its cards to go along with their standard plastic cards. Metal cards aren't quite the status symbol they once were, but they're still fairly difficult...
Excluded from the Capital One SavorOne bonus are superstores and smaller stores (like drugstores and convenience stores) that sell groceries and a variety of other products).
The Capital One SavorOne (see Rates & Fees) entertainment rewards are 3% cash back with no limit. Qualifying entertainment purchases include tickets bought at movie theaters, record stores and video rental locations (excluding digital streaming and subscription services). Ticket purchases for tourist attractions, amusement parks, aquariums and zoos also qualify. Other eligible ticket purchases include those for pool and billiard halls, bowling alleys, live pro or semi-pro sporting events, live concerts and theatrical productions.
Share your insights and review for the Capital One SavorOne Cash Rewards Credit Card
5
36%
4
23%
3
22%
2
10%
1
9%
3.6
322 reviews
322 reviews
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Dirk Diggler @rlshock36
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5 Star Rating
Verified Customer
Seems to be a decent rewards card. The interest rate doesn't concern me because I pay the balance before the statement date. $3,000.00 is not a bad limit if you are disciplined with your spending habits. I use multiple cards for different types of purchases. This card is great for daily use for groceries, coffee, movies, etc.
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Detrect T SKINNER Jr @detrect07
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5 Star Rating
Verified Customer
Capital One is a great company. I personally have never had a problem with them. I've gotten decent rewards and no fees. Would definitely recommend.
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Jennifer Guerra @jenni07271
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1 Star Rating
Horrible, I thought I reached my 1000 but missed it by $3.50 so I’m out $200. The customer service rep was in apologetic. Horrible!
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2
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Anita B @myflhomebiz
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2 Star Rating
Verified Customer
Disappointed. Wish I hadn't applied for this card. I have been a Capital One cardholder for a while now. I started with the Capital One Platinum card to rebuild my credit then later after my credit got a little better I applied for the QuckSilver card and was given a. 500 dollar limit. So now I have good/excellent credit and I thought okay I should be able to get a better card with a lower interest rate and higher credit limit. So I apply for this card because it says it requires a good/excellent credit. I get another measly $500.00 credit limit. and a 30% interest rate. I have only been given 1 credit limit increase on my other major Capital One cards $200.00 one 1 and $100.00 on one. If I had known I would have gotten such a low limit, I would not have applied. They only credit card I have with Capital One that I get regular increases on is my Walmart store card. That credit limit is at $3300. I won't be applying for any more Capital One cards.
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Bill Sloss @mtsloss_wm57
You’re going to be seeing high interest rates all over all cross the board these days. The Fed has been tightening and has been upping interest rates since 2022 and is not slated to pivot late 2024. You shouldn’t be paying interest but paying your card balance in full each month.
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mtsloss_wm57 @mtsloss_wm57
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5 Star Rating
Verified Customer
I began my credit journey with C1 secured card then graduated up to the Quicksilver card. I kept getting hounded by C1 to apply for the Savor One card. I didn't think I wanted it but I got used to the 3% CB on grocery and dining. The CL is low but the card redeems itself by letting You pay as many times as you want per billing cycle. There is a sticky note attached to the card which gives the phone number to activate the card. C1 shopping is included on the app for all the obscure shops you find in airports. Make sure you apply for the Savor card with no annual fee. Be careful when taking this sticky note off the card because you can gouge a hole in the plastic covering of the card if you're not careful.
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MIster Caleb @user979797
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5 Star Rating
Verified Customer
SavorOne is the best Capital One offers. The card has the ability to offer generous no pre set credit limits and soft pull increases over time. 3% unlimited cash back in terrific categories like groceries and all with NO ANNUAL FEE! This card also offers generous 0% balance transfer options throughout ownership and with the great customer service you also get with the card it's a winner.
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Christopher @christopherh_275
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3 Star Rating
Verified Customer
Higher interest rate than any other credit card I have. Cashback offers are nice but most offers take three months to get your credit cashback . Even though I pay it off every month I'd recommend this card to people as a secondary card. Or use it for a specific reason to get higher rewards.
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Billy @billyp_32
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5 Star Rating
Verified Customer
Great benefits, great cash back, great promotional interest rate, great balance transfer program. Everything I wanted, especially when my credit score was "fair" and I wanted some perks and cash-back while I continued to improve my score. Great application, great website, great customer service, easy to change statement-date and due-date.
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James @auzenneplyr3
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4 Star Rating
Verified Customer
I just received my card . I already have a quick silver and platinum. But disappointed not much credit . But this card to start I was given 3000.00 no annual fee!
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Jason @jasonh_144
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5 Star Rating
Verified Customer
Good card to start credit rebuilding. Pay on time and upgrade to better card. Do not close account , keep it always paid off. Good luck
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Review Capital One SavorOne Cash Rewards Credit Card
Expert Thoughts on Capital One SavorOne
To help people learn more about Capital One SavorOne Cash Rewards Credit Card, WalletHub's editors posed the following questions to a panel of experts. You can meet our panelists and read their responses below.
How do you recommend choosing between a credit card with no annual fee and a card with slightly better rewards that charges a fee?
How often do you think someone needs to dine out to justify getting a credit card with bonus rewards at restaurants?
Is it a good deal for consumers when credit card companies offer bonus rewards on purchases made through their own shopping portals?
Sharmin Attaran Ph.D., Professor, Department of Marketing, Director, Digital Marketing Program, Bryant University Read More
Hank Boyd Esq. - Assistant Dean for Civic Engagement, Clinical Professor, Fortune 500 Consultant, Maryland Attorney, Robert H. Smith School of Business, Department of Marketing, University of Maryland Read More
Gia Nardini Ph.D., Assistant Professor of Marketing, Florida Atlantic University, College of Business Read More
Keevan M. Statz Ph.D., Assistant Professor of Marketing, School of Business, Benedictine College Read More
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2024 WalletHub Awards
Capital One SavorOne Cash Rewards Credit Card is an Editor's Pick for: