Capital One SavorOne Review: Savor the Flavor of Cash Back

SavorOne: Unlimited 3% cash back on food and fun, $0 annual fee.

Capital One SavorOne Review: Savor the Flavor of Cash Back

The Capital One SavorOne Cash Rewards Credit Card is a feast for those who enjoy dining out and cooking at home. Without the burden of an annual fee, this card dishes out a generous 3% cash back on dining, entertainment, streaming services, and grocery store purchases (excluding superstores like Walmart and Target), making it a top pick for foodies and entertainment enthusiasts alike.


  • Annual Fee: $0, making it cost-effective for all users.
  • APR: 19.99%-29.99% Variable APR, with a 0% intro APR for the first 15 months on purchases and balance transfers.
  • Credit Score: Requires good to excellent credit, targeting responsible spenders.
  • Foreign Transaction Fees: None, perfect for international dining experiences.


  • Unlimited 3% Cash Back: On dining, entertainment, streaming services, and grocery stores.
  • Sign-Up Bonus: Earn a $200 cash bonus after spending $500 within the first 3 months.
  • Uber & Uber Eats Perks: 10% cash back plus complimentary Uber One membership statement credits through 11/14/2024.
  • Flexible Rewards: Cash back does not expire and there's no limit to how much you can earn.


  • Eligibility Restrictions: Not accessible to all students, especially international ones without a Social Security or Taxpayer ID.
  • Credit History Required: Some credit history is needed, making it less attainable for students with no credit.
  • High APR Range: The 19.99%-29.99% Variable APR can be costly if you carry a balance.

Product Summary

The Capital One SavorOne Cash Rewards Credit Card serves up a hearty portion of rewards, especially appealing to those who spend generously on dining, groceries, entertainment, and streaming services. Its introductory offer of a $200 cash bonus sets a welcoming table, while the lack of foreign transaction fees makes it a global companion for dining adventures abroad. Its broad rewards categories and competitive travel booking rates through Capital One Travel position it as a versatile card in your wallet.

While it demands a good to excellent credit score, the benefits of the SavorOne card far outweigh this requirement for eligible cardholders. The absence of an annual fee and the introduction of an APR holiday for the first 15 months sweeten the deal, making it hard to overlook for savvy spenders looking to maximize their cash back on every bite and every moment of entertainment.

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