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Capital One · Credit cards

Capital One SavorOne Cash Rewards

No-annual-fee cash back credit card offering unlimited 3% cash back on dining, entertainment, grocery stores, and streaming.

Annual fee

$0/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$0

Rewards rate

3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases

What it does well

  • $0 annual fee and no foreign transaction fees
  • Unlimited 3% cash back on dining, entertainment, grocery stores, and popular streaming
  • 0% intro APR on purchases and balance transfers for 15 months

Where it gives ground

  • No airport lounge access or luxury travel perks
  • Requires Good to Excellent credit score

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards6 differing specs

American Express Gold Card

$325/yr

Capital One SavorOne Cash Rewards

$0/yr

Capital One leads on 2 of 2 rankable specs and charges less a year.

See the breakdown
Credit cards8 differing specs

The Platinum Card from American Express

$695/yr

Capital One SavorOne Cash Rewards

$0/yr

Capital One leads on 2 of 3 rankable specs and charges less a year.

See the breakdown
Credit cards7 differing specs

Capital One SavorOne Cash Rewards

$0/yr

Blue Cash Everyday Card from American Express

$0/yr

Capital One leads on 1 of 1 rankable spec.

See the breakdown
Credit cards8 differing specs

Capital One SavorOne Cash Rewards

$0/yr

Blue Cash Preferred Card from American Express

$95/yr

Capital One leads on 2 of 3 rankable specs and charges less a year.

See the breakdown

Full specifications

Fees & Rates

Annual fee
$0
Regular APR
19.24% – 29.24% Variable APR
Foreign transaction fee
None (0%)
Late fee
Up to $40

Rewards & Perks

Rewards rate
3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases
Sign-up bonus
$200 cash bonus after spending $500 in first 3 months
Intro APR offer
0% intro APR on purchases and balance transfers for 15 months
Lounge access
No (No airport lounge access)

Card Details

Credit neededOur summary
Good to Excellent (670–850)
Network
Mastercard
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official Capital One SavorOne Cash Rewards terms (opens in a new tab)

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

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Frequently asked

How much does Capital One SavorOne Cash Rewards cost?

Capital One SavorOne Cash Rewards has an annual fee of $0/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are Capital One SavorOne Cash Rewards’s key specs?

Key specifications for Capital One SavorOne Cash Rewards include annual fee ($0) and rewards rate (3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases).

What does Capital One SavorOne Cash Rewards compare against?

Capital One SavorOne Cash Rewards is compared head to head against American Express Gold Card vs Capital One SavorOne Cash Rewards, The Platinum Card from American Express vs Capital One SavorOne Cash Rewards, Capital One SavorOne Cash Rewards vs Blue Cash Everyday Card from American Express, Capital One SavorOne Cash Rewards vs Blue Cash Preferred Card from American Express, Capital One SavorOne Cash Rewards vs Bilt World Elite Mastercard, and Capital One SavorOne Cash Rewards vs Capital One Venture Rewards Credit Card.