- Sign-Up Bonus
- 0
- Spending Multipliers
- 5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
The Capital One SavorOne Rewards Credit Card is a dining and entertainment-focused cash back card designed for consumers who want elevated rewards in popular everyday categories while maintaining travel flexibility. Ideal for food lovers, streaming subscribers, and frequent event-goers, the card offers strong bonus cash back rates in key lifestyle categories, along with 1% cash back on all other purchases, making it best suited for cardholders whose spending is concentrated in dining and entertainment rather than broad, general purchases. While the annual fee is not waived in the first year and there are no recurring annual credits to offset it, the card delivers meaningful value through no foreign transaction fees, the ability to convert cash back into miles when paired with a Capital One Venture card, and protections like extended warranty coverage and travel accident insurance. Additional perks include automatic credit line reviews and 50% off handcrafted beverages at Capital One Café, making the SavorOne Rewards card a strong option for socially active consumers who want premium-style rewards and flexibility without committing to a high-end travel card.
Pros
Cons
Issuer
Capital One, established in 1994 as a spin-off from Signet Financial Corp, has grown into one of the largest banks in the US with international presence in the UK and Canada. Leveraging data-driven strategies, it offers a diverse range of financial products, including credit cards, checking, savings, and business services. While serving over 100 million customers, Capital One is recognized as a subprime lender, occasionally denying credit to those with higher credit scores. With $662 billion in total assets and $69 billion in annual revenue in 2025, it maintains financial stability. The company emphasizes technology, employing real-time data, AI, and machine learning, and is committed to environmental sustainability, aiming to reduce GHG emissions and support renewable energy. Despite a decreasing physical branch presence, Capital One continues its mission to revolutionize banking by bringing ingenuity, simplicity, and humanity to the industry, reflecting a dedication to financial inclusion and adherence to regulatory standards as an FDIC-insured institution.
Spending Multipliers
5%
Miles on hotels through Capital One Travel
5%
Cash Back on vacation rentals through Capital One Travel
5%
Miles on car rentals through Capital One Travel
3%
Cash Back on restaurants
3%
Cash Back on select streaming services
3%
Cash Back on entertainment
3%
Cash Back on groceries
1%
Cash Back on all other purchases
Credits & Features
Application
- Capital One has a strict 1/6 rule, meaning you can only apply for 1 Capital One card every 6 months
- Consider having at least a credit history for 2 year
- Capital One usually pulls from all 3 major credit bureaus
- See if you are pre-approved before applying
- Capital One states that for good credit, you may never have declared bankruptcy or defaulted in the past 5 years, not been more than 30 days late on a payment
Fees
- $39 Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- 28.99% Variable APR
- 28.99%APR for Cash Advance
- $5 or 5% of each cash advance amount (whichever is greater)
- 28.99% APR for Balance Transfer
- 4% of each transfer amount