The SavorOne earns 3% cash back on dining, entertainment, streaming, and groceries. A 12-month 0% intro APR on purchases and balance transfers and no foreign transaction fees round out the package. The catch is the $39 annual fee paired with no signup bonus, so you need roughly $1,950 a year in bonus-category spending just to cover the fee at the 2% margin those categories earn over a 1% card. Everything outside the 3% categories earns only 1%, which makes it a weak catch-all card. It fits best for someone whose spending is heavily concentrated on food and entertainment and who will clear that break-even comfortably.
Earn rates & credits
| Category | Rate |
|---|---|
Dining | 3% |
Entertainment | 3% |
Streaming | 3% |
Groceries | 3% |
Everything Else | 1% |
Card details
Regular APR | 18.49%–28.49% variable |
Intro APR on purchases | 0% for 12 months |
Intro APR on balance transfers | 0% for 12 months |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Capital One SavorOne Cash RewardsBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.