Pros & Cons

Pros

  • +Welcome Bonus: $300
  • +Up to 3x on groceries
  • +Purchase protection included

Cons

Our Review

Indulge in 3% Cash Back on Food, Fun & Streaming with the Capital One SavorOne® Card

  • $200 one‑time bonus after $500 in purchases within your first 3 months
  • 3% cash back at grocery stores (excluding superstores like Walmart® & Target®), on dining, entertainment and popular streaming services
  • 8% cash back on Capital One Entertainment purchases
  • 5% cash back on hotels & rental cars booked through Capital One Travel
  • 1% cash back on all other purchases
  • 0% intro APR on purchases & balance transfers for 15 months
  • No annual fee & no foreign transaction fees

Whether you’re grabbing groceries for dinner, streaming the latest hit, catching a concert or booking a weekend getaway, the SavorOne® Card turns everyday and entertainment spending into powerful cash‑back rewards. With tiered rewards on dining, groceries, entertainment and travel, plus a generous welcome bonus and a lengthy 0% APR window, it’s designed for those who live for life’s flavors and experiences—without any annual fee holding you back.

Rewards

All Spending

1x

Cash Back pts per dollar

Groceries

3x

Cash Back pts per dollar

Restaurants

3x

Cash Back pts per dollar

Entertainment

3x

Cash Back pts per dollar

Streaming

3x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries3x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants3x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming3x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

56,400

Cash Back/yr

Estimated Value

$564

After Fees

+$564

1st Year Value

$567

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 3x25,200 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 3x10,800 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 3x3,600 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.88x
Total points earned56,400 pts
Value of points accumulated in the first year$564

Perks & Benefits

Concierge

24/7

Additional Benefits

$0 annual fee. 0% intro APR for 12 months on purchases and balance transfers; a balance transfer fee applies. Rewards do not expire for the life of the account and you can redeem cash back for any amount. No foreign transaction fees on purchases made outside of the United States. Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.

Travel Insurance

Trip Cancellation

Up to $1,500

Trip Interruption

Up to $1,500

Delayed Baggage

Up to $300

Lost Baggage

Up to $3,000

Travel Accident

Up to $1,000,000

Purchase Protection

Purchase Protection

Up to $1,000 / 90 days

Extended Warranty

+1 years

Auto Rental Collision (secondary, primary abroad)

Included

Price protection

Included

View the insurance certificate (PDF)

Terms & Conditions

Card Features

  • Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.