Capital One SavorOne Cash Rewards Credit Card
A no-annual-fee cash back card with unlimited 3% on dining, entertainment, popular streaming and at grocery stores, plus a long 0% intro APR.
Why it ranks
- No annual fee
- Versatile 3% categories
- 0% intro APR period
What holds it back
- 1% base rate elsewhere
- Cash back not transferable on its own
- No lounge access
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-annual-fee cash back card with unlimited 3% on dining, entertainment, popular streaming and at grocery stores, plus a long 0% intro APR.
Capital One SavorOne Cash Rewards Credit Card at a glance
| Issuer | Capital One |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | $200+ cash bonus after meeting the minimum spend |
| Rewards rate | 3% on dining, entertainment, popular streaming services and at grocery stores, 8% on Capital One Entertainment, 5% on hotels and rental cars via Capital One Travel, 1% on everything else |
| Intro APR | 0% intro APR on purchases and balance transfers for 15 months |
| Regular APR | 19.24%–29.24% variable |
| Foreign transaction fee | None |
| Credit needed | Good (690+) |
| Best for | Everyday dining, grocery and streaming with no annual fee |
| Airport lounge access | No |
Rewards & benefits
- 3% across dining, grocery, entertainment and streaming
- No foreign transaction fee
- Long 0% intro APR
Eligibility & who it suits
- Good credit score
- Sufficient income to support the line
- Capital One application restrictions may apply
How to apply
Check current rates on Capital One’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | COCapital OneSavorOne Cash RewardsNo annual fee · US Capital One SavorOne Cash Rewards Credit CardEveryday dining, grocery and streaming with no annual fee |
None | 3% on dining, entertainment, popular streaming services and at grocery stores, 8… | $200+ cash bonus after meeting the minimum spend | None | Good (690+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
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