The Capital One SavorOne Cash Rewards Credit Card offers elevated cash back on dining and entertainment with no annual fee. Here’s everything you need to know about this lifestyle-focused rewards card.
Quick Overview
- Annual Fee: $0
- APR: 19.99% – 29.99% Variable
- Rewards Rate: 3% dining/entertainment, 1% everything else
- Sign-up Bonus: $200 after spending $500 in first 3 months
- Best For: Diners and entertainment lovers seeking no-fee rewards
Why We Recommend It
Capital One SavorOne stands out as one of the few no-annual-fee cards offering 3% cash back on dining and entertainment. The easy-to-earn $200 bonus and no foreign transaction fees make this an excellent choice for social butterflies and food enthusiasts who don’t want to pay an annual fee. Capital One’s user-friendly app and flexible redemption options add to the appeal.
Rewards & Benefits
Earn unlimited cash back:
- 3% cash back on dining (restaurants, takeout, delivery)
- 3% cash back on entertainment (movies, concerts, streaming services)
- 3% cash back on eligible streaming services
- 3% cash back at grocery stores (excluding superstores)
- 1% cash back on all other purchases
Additional perks include:
- 0% intro APR on purchases and balance transfers for 15 months
- No foreign transaction fees
- Travel accident insurance
- 24-hour travel assistance services
- Extended warranty protection
- Price protection
- Virtual card numbers for online shopping
Fees & Rates
- Annual fee: $0
- Purchase APR: 19.99% – 29.99% Variable
- Balance transfer fee: 3%
- Foreign transaction fee: None
- Cash advance fee: 3% ($10 minimum)
Who Should Get This Card
Capital One SavorOne is ideal for:
- Frequent diners who want rewards without an annual fee
- Entertainment enthusiasts (movies, concerts, streaming)
- Travelers who dine internationally
- People building a cash back card collection
This card is NOT ideal for:
- Heavy spenders who could justify the Savor card’s annual fee
- Those focused on travel rewards over cash back
- People who rarely dine out or use entertainment services
The Bottom Line
Capital One SavorOne delivers exceptional value for lifestyle spending without an annual fee. The 3% return on dining and entertainment rivals cards with hefty fees, while the $200 bonus provides immediate value. For social spenders who want to keep things simple and fee-free, SavorOne is tough to beat.
This card is offered by Capital One. CleverCreditCards.com may receive compensation if you apply and are approved.