Last Updated on December 31, 2019
The Capital One® SavorOne® Rewards Credit Card is aimed at those who love dining and entertainment with a generous unlimited 3% cash back rate on purchases on dining and entertainment.
The card also offers a 2% cash back rate at grocery stores and 1% on all other purchases.
Based on average American spending, this equates to an average rewards purchase yield of 1.24%.
Additionally, the card currently offers a $150 cash bonus if you charge at least $500 within the first 3 months along with an Intro APR on purchases of 0% for 15 months.
The card also offers no annual fee.
In comparison, the Savor® card’s corporate sibling, the Capital One® Venture® Rewards Credit Card offers an unlimited 1.5% cash back rate with no annual fee. So, unless you spend more than the average American on dining and entertainment, you may be better served by the Venture®.
If you feel compelled by the SavorOne® benefits, we encourage you to compare this against both the Venture® and similarly named Savor® cards. In our opinion, the Venture® is the best of the three followed by this card, unless you carry a balance, then this card may be better as it carries, generally, a lower APR.
Issuer & Payment Network
Network Benefit Level
Estimated Purchase Yield
Estimated Purchase Yield
Assumes an average consumer spending pattern as provided by the US Department of Labor Statistics
Bonus Offer Value
$150 cash bonus (requires $500 in new purchases within first 3 months)
Estimated Annual Card Value
Yr 1 @ $5k in Purchases
Yr 1 @ $15k in Purchases
Yr 1 @ $30k in Purchases
Yr 2+ @ $5k in Purchases
Yr 2+ @ $15k in Purchases
Yr 2+ @ $30k in Purchases
Bonus Offer Value plus Ongoing Bonus Value (if any) plus value of rewards at stated annual purchasing level less the annual fee
Airport Lounge Access
Do Points Expire?
No - You can redeem cash back at any time in any amount
Cash, Gift Cards and Statement Credit
Can Points Be Transferred?
Fees & APRs
Foreign Transaction Fees
Late Payment Fee
APR - Intro (Purchases)
0% for first 15 months
APR - Intro (Balance Transfers)
0% for first 15 months + 3% fee
APR - Cash Advance
25.74% + $10 or 3% transaction fee (whichever is greater)
APR - Regular (Purchases)
15.74% - 25.74%
APR - Regular (Balance Transfers)
15.74% - 25.74% (no fee)
25 days after close of each billing cycle
Protections & Services
Zero Liability Protection
Extended Warranty Protection
Trip Cancellation / Interruption
Auto Rental Collision Damage Waiver
Recommended Credit Level
Very Good+ (FICO Score: 740-850)
Link to Issuer Website
Date Information Confirmed
December 26, 2019