The SavorOne earns 3% cash back on dining, entertainment, streaming, and groceries, a combination that lands it at #4 on our Best Credit Cards for Dining and Groceries list and #11 among our cash back picks. A 12-month 0% intro APR on purchases and balance transfers adds some value up front. The catch is a $39 annual fee with no signup bonus to offset it, so you need about $1,300 a year in those 3% categories just to cover the fee. Everything else earns only 1%, which makes it a poor catch-all card. No foreign transaction fee helps on trips abroad, but compare it carefully against no-fee cards with similar category rates before applying.
Earn rates & credits
| Category | Rate |
|---|---|
Dining | 3% |
Entertainment | 3% |
Streaming | 3% |
Groceries | 3% |
Everything Else | 1% |
Card details
Regular APR | 18.49%–28.49% variable |
Intro APR on purchases | 0% for 12 months |
Intro APR on balance transfers | 0% for 12 months |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Capital One SavorOne Cash RewardsBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.