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Capital One SavorOne Cash Rewards card art
Capital One · savor

Capital One SavorOne Cash Rewards

4.6 / 5
Cash back · Personal card

The best no-fee card for households that eat out and stream a lot. The grocery bonus is a meaningful upgrade over flat 2% cards.

Compare featured offers Read issuer terms

At a glance

Issuer terms
Welcome bonus
$200 cash
Spend $500 in 3 months
Annual fee
$0
Purchase APR
19.24% to 29.24%
Intro: 0% for 15 months
FX fee
None
BT intro: 0% for 15 months
Rates accurate as of
Editorial

Our take

The best no-fee card for households that eat out and stream a lot. The grocery bonus is a meaningful upgrade over flat 2% cards.

Verdict

Pros & cons

Pros

  • 3% on dining, groceries, entertainment, and streaming
  • No foreign transaction fee
  • 15 months 0% APR
  • No annual fee

Cons

  • Excludes superstore groceries (Walmart, Target)
  • Capital One Travel is narrower than competitors
  • No phone protection
Earnings

Earn rates

CategoryRateNotes
Dining, entertainment & streaming3%Unlimited 3% on dining, entertainment, popular streaming, and grocery stores excluding superstores.
Groceries3%At most grocery stores, excluding superstores like Walmart and Target.
Hotels & rentals via Capital One Travel5%Hotels and rental cars booked through Capital One Travel.
All other purchases1%
Benefits

Key benefits

3% on dining, groceries, entertainment, streaming

Unlimited, no rotation or activation.

No foreign transaction fee

Spend abroad without the surcharge most cash-back cards add.

$0 annual fee

Keep it open year over year for free.

15 months 0% APR

On purchases and balance transfers.

Fit

Who this is best for

  • Households with heavy dining and grocery spend
  • Streaming-heavy households
  • Travelers who want a no-FX-fee everyday card
FAQ

Frequently asked questions

What is the SavorOne welcome bonus?
Earn a one-time $200 cash bonus after spending $500 on purchases within 3 months from account opening.
Does the SavorOne charge an annual fee?
No. The SavorOne has a $0 annual fee.
Does the SavorOne have a foreign transaction fee?
No. The SavorOne charges no foreign transaction fee, so it works well for international purchases.
Does the SavorOne offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 15 months on purchases. The ongoing purchase APR is 19.24% to 29.24% variable.
Who is the SavorOne best for?
Households with heavy dining and grocery spend. Streaming-heavy households. Travelers who want a no-FX-fee everyday card.
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Capital One SavorOne Cash Rewards

Spend $500 in 3 months
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Rates accurate as of May 15, 2026. Issuer terms.