Capital One SavorOne Card Overview
He Capital One SavorOne Cash Rewards Credit Card is a low annual fee option that offers cash back on dining, entertainment and grocery expenses. While you can earn more with other cash back cards, SavorOne is a solid option for those with limited credit who want to earn cash back in popular bonus categories.
Card rating*: ⭐⭐⭐
*Card rating It is based on the opinion of TPG editors and is not influenced by the card issuer.
capital one offers a variety of cards, including many cash back products within the same family. SavorOne was previously offered as a no annual fee cash back option which was discontinued in October 2024 and rebranded as the Capital One Savor Cash Rewards Credit Card.
SavorOne has been reintroduced with a $39 annual fee and is designed for people with fair credit or those rebuilding their credit score. The annual fee is low enough to justify it and can be easily recouped with minimal monthly spending in the most popular bonus categories.
Typically, the “One” designation in the card name (e.g., SavorOne and QuicksilverOne) on most Capital One products indicates that a card is intended for people with fair credit. TPG recommends a fair credit score of at least 580 to have a good chance of approval with these cards from this issuer.
Here’s what you need to know about this cash back card.
Pros and cons of the Capital One SavorOne card
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Capital One SavorOne Card Welcome Offer
He Savor Does not include a welcome bonus. If you’re looking to earn a bonus with a new card, consider the Capital One savors the cash.
It is essential to note that Capital One has specific characteristics. application eligibility requirements that may affect your chances of approval.
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Related: The Pros and Cons of Cash Back Credit Cards
Capital One SavorOne Card Benefits
He Savor is limited in the benefits it offers, the main one being that the card does not charge foreign transaction fees.
Other benefits include automatic line of credit reviews, which can be helpful when building credit. You’ll also receive access to your FICO Score for free and $0 fraud liability protection.
Lastly, as a cardholder, you’ll receive 50% off drinks every day at Capital One Cafes.
Related: The best cards for entertainment.
Earn cash back with the Capital One SavorOne Card
He Capital One Flavor One offers a wide range of bonus categories. You will win:
Capital One broadly defines entertainment, so you’ll be covered on many fronts if you want to get a cash back bonus. Its terms say:
“Ticket purchases made at movie theaters, sports promoters (professional and semi-professional live events), theater promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls, or bowling alleys. This excludes golf courses, college sporting events, and non-industrial entertainment trade codes such as cable, digital streaming, and membership services.”
Related: How credit card issuers classify travel and dining purchases
Redeem cash back on the Capital One SavorOne Card
Redeeming cash back is easy with this card. Your redemption options include:
- Amazon
- Cash back via PayPal
- Gift cards
- Statement Credit
However, if you pair this card with a Earning Capital One miles card, like Capital One Venture Rewards Credit Cardcan convert refund into earned cash in miles. This gives you the ability to access the capital list one of More than 15 transfer partnersincluding Air Canada airplane, Air France-KLM Flying Blue and I prefer hotel rewards.
Transferring miles to members typically offers the highest redemption value, often far exceeding 1 cent per mile.
Given SavorOne’s bonus earn rates, this may be a good rewards route, especially if you can take advantage of any of Capital One’s remaining transfer sweet spots.
Related: How to redeem Capital One miles for maximum value
What cards compete with the Capital One SavorOne card?
If you’re on the fence about whether this card is worth adding to your wallet, consider these other options that might also suit your needs:
- If you don’t want to track bonus categories: He Capital One QuicksilverOne Cash Rewards Credit Card is another option for those with limited credit history and has the same $39 annual fee as SavorOne. It has a simple earning structure, offering unlimited 1.5% cash back on all purchases, making it great if you spend a lot outside of Savor’s bonus categories. For more information, read our Full QuicksilverOne Cash Rewards Card Review.
- If you prefer to rotate quarterly categories: The no-annual-fee Discover it® Cash Back Credit Card is one of our top picks for starter cards, offering 5% cash back on the first $1,500 in purchases each quarter at select merchants. Plus, you’ll earn 1% back on all other purchases and Discover will match all cash back earned in the first year. For more information, read our Discover it card full review.
- If you have no credit history: He Capital One Quicksilver Secured Cash Rewards Credit Card is the secure version of the Quicksilver Cash Rewards card that allows you to build credit. It offers the same rewards earning structure and has no annual fee. For more information, read our Full Quicksilver Secured Card Review.
Discover it Cash Back credit card information has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
For additional options, check out our full list of the best initial credit cards and the best cash back credit cards.
Related: Cash Back vs. Travel Rewards: How to Choose a Credit Card
Is the Capital One SavorOne card worth it?
If you have fair credit and want extra rewards, this card is a solid option. However, there are other options for those with less than ideal credit who don’t have an annual fee. If you have established credit, you should opt for Savor Cash Rewards with no annual fee. I currently have Savor Cash Rewards and am getting good value.
Related: How to Maximize Cash Back with Your Credit Card
In a nutshell
SavorOne offers a solid cash back rate on several bonus categories for everyday spending. However, the lack of benefits and welcome offer are a disadvantage. Even if you have a limited credit history and score, there are card offers that offer similar additional earnings and even more benefits without carrying an annual fee.
More information: Capital One SavorOne Cash Rewards
For Capital One products listed on this page, some benefits may be provided by Visa® or Mastercard® and may vary by product. Please see the respective Benefits Guide for details as terms and exclusions apply.
