The SavorOne earns 3% on dining, entertainment, select streaming, and groceries, and that breadth is what puts it at #4 on our Best Credit Cards for Dining and Groceries list and #13 on our Best Cash Back list. The complication is the $39 annual fee paired with no signup bonus at all, so nothing cushions the first year and you need roughly $2,000 of bonus category spending a year before the 3% rate covers what you are paying to hold the card. Everything outside those four categories earns 1%, which is thin on a card that charges a fee. It does bring 12 months of 0% intro APR on purchases and balance transfers, and no foreign transaction fees, before the 18.49% to 28.49% regular rate takes over. Worth carrying if your dining and grocery spending clearly clears the fee, and easy to skip if it does not.
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.