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Unlimited 3% cash back on dining, entertainment, popular streaming services and grocery stores (excluding supermarkets like Walmart and Target), 8% cash back on Capital One Entertainment purchases and Vivid Seats tickets, and everything SavorOne is a great fit for 1% of other purchases in the pocket of food and entertainment lovers. While its cousin, the Savor Rewards Credit Card*, tops the list with unlimited 4% cash back on all restaurants, entertainment, and popular streaming services, 3% cash back at grocery stores, and 1% on all other purchases, the $95 annual fee Yes Savor dollars may not be that high for everyone. SavorOne has a $0 annual fee, no international transaction fees, and offers something its competitors don’t: 0% introductory APR on purchases and balance transfers for 15 months; 15.24% – 25.24% variable APR thereafter.

Offers exquisite dining and entertainment experiences through Capital One’s member-focused curated programs, Capital One Shopping’s automated coupon app, and a range of travel benefits, including free 24-hour concierge service and 24-hour travel on Mastercard-issued products Assisting the service, Capital One makes this entry-level card quite appetizing.

Like most cash back cards, SavorOne has a high APR, but as any seasoned rewards earner knows, interest charges can quickly erode the value of any rewards earned. While there are limited reward categories for higher incomes, SavorOne’s simple, hassle-free nature makes it a valuable card for those who want to spend on food and entertainment but don’t want to pay an annual fee.

At first glance

  • Unlimited 3% cash back on restaurants, entertainment, popular streaming services and grocery stores (excluding supermarkets like Walmart and Target), 8% cash back on Capital One Entertainment purchases and Vivid Seats tickets, and 1% on all other purchases
  • $0 annual fee
  • لا رسوم المعاملات الأجنبية
  • Introductory APR on Purchases and Balance Transfers
  • 24-hour travel assistance service

Remuneration

Earn rewards

Capital One SavorOne automatically gets 3% unlimited cash back on restaurants, entertainment, popular streaming services and grocery stores (excluding supermarkets like Walmart and Target), Capital One Entertainment gets 8% back on Vivid Seats purchases and tickets cash, and 1% cash back. on all other purchases. The entertainment category is notable because it includes purchases that aren’t usually offered as bonuses at places like movie theaters, bowling alleys, and theme parks.

Not included in the grocery category are supermarkets like Walmart or Target, wholesale clubs like Costco, gas stations, convenience or discount stores. Since there are no rotating categories or income caps, earning rewards is simple and straightforward.

The Capital One SavorOne Cash Rewards credit card also offers a welcome bonus: $200 in cash after spending $500 within the first 3 months of account opening.

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Redeem rewards

Rewards can be redeemed for any amount of cash in the form of statement credit or check and will not expire until the account is closed. Cashback redemptions can also be automated through annual auto-redemption dates or auto-redemption thresholds. Once a user-set threshold is reached, the specified amount will be credited or released. These reported amounts start at $25 and gradually increase to $1,500.

Rewards can also be used on merchandise purchases, gift cards and other promotions, but the exchange rate for these redemptions may vary. It is also possible to use the rewards earned from the card to shop online through PayPal and Amazon, but cash back offers higher returns.

Reward Potential

To determine the reward potential of the Capital One SavorOne card, we need to look at the reward categories and calculate how much U.S. households are likely to spend in those areas. Eragoncred uses data from various government agencies to determine basic income and average spending for each category. 70% of wage-earning households bring in $100,172 per year, and our payout is based on that number.

Eragoncred estimates that our sample household spends $8,516 on food and entertainment, which equates to $255.48 in cash back per year. The $5,687 the family spends on groceries will bring in $170.61 in cash back, while the remaining $12,207 that can reasonably be charged to the credit card will bring in $122.07 in cash back per year. That means the card will earn a total of $548.16 in cash back every year, in addition to the welcome bonus earned in the first year. Actual rewards depend on how often you use your credit card. Restaurant and entertainment spending has the highest revenue potential.

0% introductory price

The Capital One SavorOne Cash Rewards Credit Card offers an introductory 0% APR on purchases and balance transfers for 15 months; 15.24% – 25.24% APR thereafter.

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More card benefits

  • No International Transaction Fees: No extra fees when shopping abroad.
  • Extended Warranty: Additional warranty protection on eligible items purchased.
  • Capital One Shopping: An online tool that automatically applies coupon codes to purchases.
  • Free Concierge Service: Get helpful dining, entertainment and travel assistance.
  • 24-hour travel assistance: Get emergency card replacement and cash advance services.
  • Instant Purchase Notifications: Get notifications about purchases made on your mobile device.
  • Access Offers: Discounts on tickets for sports, concerts and dining experiences.
  • $0 Fraud Liability: Cardholders are not responsible for unauthorized transactions.
  • Card Blocking: Ability to block credit card usage from mobile devices.
  • Automatic Payments: Ability to set up automatic bill payments.

Beautifully printed

Interest expense

  • Regular APR: 15.24% – 25.24% (variable)
  • Introductory Purchases APR: 0% introductory purchases within 15 months
  • Introduction to Balance Transfers APR: 0% Introduction to Balance Transfers within 15 Months

Cost

  • Annual fee: $0
  • Transfer fee: 3%
  • Cash Advance: 3% of the cash advance amount, but not less than $10
  • Foreign purchase transaction fee: none

How the cards are stacked

Capital One SavorOne Cash Rewards Credit Card and Bank of America’s Altitude® Go Visa Signature® Card

While SavorOne is a strictly designated cashback card, the US Bank Altitude® Go Visa Signature® Card is a points card and points can be redeemed in the US. The Bank Altitude® Go Visa Signature® Card is effectively compared to percent cash back equivalent points that can be redeemed for cash back. Cardholders earn 4 points per purchase on takeout, delivery and dining, 2 points per purchase at grocery stores, grocery delivery, gas stations, and streaming services, and 1​​​ per purchase on all other eligible purchases.

The US Bank Altitude® Go Visa Signature® Card also offers an introductory APR of 0% on purchases and funds transfers for the first 12 billing cycles, followed by regular variable APR of 15.24% – 24.24%. Like SavorOne, Altitude Go has no annual fee and no currency exchange fee. Altitude Go also offers a $15 annual streaming credit on select streaming services.

U.S. cash back potential The Bank Altitude® Go Visa Signature® Card might dwarf SavorOne. Whether you’re dining out or dining at several restaurants, here’s a clear winner for you.

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Capital One SavorOne Cash Rewards Credit Card and Citi® Double Cash Card

The Capital One SavorOne Cash Rewards Credit Card’s top unlimited cashback category food and dining is its key feature. Paired with a card like the Citi® Double Cash Card to get 2% cash back on all purchases – 1% on purchases and 1% on withdrawals, SavorOne might be for those who like to spend money on entertainment and meals, but also Want to maximize the reward for other expenses.

The Citi® Double Cash Card itself has other benefits that SavorOne doesn’t. This includes an introductory APR of 0% for 18-month balance transfers. Thereafter, the standard variable APR based on credit is 14.24% – 24.24%. There is also an initial balance transfer fee of $5 or 3% of any transferred amount within the first 4 months of account opening, whichever is greater. After that, the fee is 5% of each transfer (minimum $5).

No card has an annual fee. However, only SavorOne has waived foreign transaction fees. The added benefits of SavorOne go beyond the Citi® Double Cash Card. These cards are a great addition, but if you have to choose one, the Citi® Double Cash Card’s full range of rewards may be more for the average consumer.

Capital One SavorOne Cash Rewards Credit Card and Savor Rewards Credit Card*

The Savor Rewards Credit Card* is SavorOne’s stronger sister. With added perks, great cash-back rewards, and a bigger welcome bonus, the Savor Rewards Credit Card* is a healthy option for those who want more and are willing to pay the $95 annual fee.

The Savor Rewards Credit Card* offers 4% cash back on all dining, entertainment and popular streaming services, 3% cash back on grocery stores and 1% on all other purchases.

Another big difference is the increased welcome bonus. The Savor Rewards Credit Card* offers a $300 cash bonus when you spend $3,000 or more within 3 months of account opening.

The Savor Rewards Credit Card* is a great option for those who feel confident about getting additional benefits while offsetting higher annual fees.

Is this card right for you?

The Capital One SavorOne Cash Rewards Credit Card offers a niche card for occasional givers who enjoy dining out and entertaining. While the Savor Rewards Credit Card* offers higher rewards, the annual fee compromise may not make the card worth the money.

There are definitely better cards out there, but for cardholders building a card collection that fits a specific spending profile, this card could be great for dining and entertainment. For the occasional international traveler, theme park enthusiast, and performer, this card’s powerful perks may be worth it.

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وهو محرر مجلة Eragoncred. في السابق، كان رئيسًا لتحرير مجلة Eragoncred ومراسلًا للقطاع المالي. قضى جيك معظم حياته المهنية كصحفي في مجال الوسائط الرقمية ولديه أكثر من 10 سنوات من الخبرة ككاتب ومحرر.