What you get
Rewards and benefits
How it earns
Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases. Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services. All Other Purchases 1% cash back Grocery Stores & Dining 3% cash back
- 3% cash back at grocery stores, on dining & entertainment and 1% on other purchases Build credit with responsible use
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$39
Purchase APR29.24% variable APR
Advertised credit profileFair Credit
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Capital One makes every lending decision.
- Annual fee and first-year pricing
- Annual Fee $39
- Redemption options and restrictions
- With SavorOne, your cash back won’t expire for the life of the account. Redeem cash back for a statement credit, check, gift cards or to cover a recent purchase. Redeem rewards your way Redeem any amount You can use cash back as you go, or save up for a special occasion or big purchase.
- Other conditions
- Automatic credit line reviews Be automatically considered for a higher credit line in as little as 6 months.
Recorded from Capital One’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Capital One SavorOne Rewards
- This card records an annual fee. Compare the value of benefits you will genuinely use against that recurring cost and a no-fee alternative.
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
