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ClearValue Cards

Capital One SavorOne Cash Rewards

Capital One · Cashback review

Reviewed by ClearValue Editorial Team · Schumer Box terms as of
Best for Dining- and entertainment-heavy househol
Capital One
Solid pick

Capital One SavorOne Cash Rewards

89
/100
Annual fee
$0
Ongoing APR
Variable*
Foreign txn fee
None
Best for

Dining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and

Fees sourced from issuer terms · 2026-07-08

ClearValue score
89/100
Solid pick

Dining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and

Find my match

Sorted by score, never commission

Annual fee

$0

No annual fee, every year

Ongoing APR

Variable APR — verify current range at capitalone.com

Variable — verify the current range at the issuer

Foreign transaction fee

None

Travel-friendly abroad

As of July 8, 2026

Best for

Dining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and grocery stores at a $0 annual fee — with no foreign transaction fee, so the 3% dining rate follows you abroad.

Not for

Warehouse-club grocery shoppers (the 3% grocery rate excludes superstores like Walmart and Target) and anyone who'd rather pay a fee for a higher dining rate — the Amex Gold earns 4x at restaurants, though it costs $325/yr.

The catch

The 3% grocery rate carves out superstores, which is where a lot of households actually buy groceries. Confirm your regular store codes as a supermarket before assuming the 3% applies — otherwise those trips earn the 1% base rate.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee
$0
Ongoing APR
Variable APR — verify current range at capitalone.com
Foreign transaction fee
None
Balance transfer fee
See issuer terms
Schumer Box verified
July 8, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate17 / 20
Fee structure20 / 20
Audience fit18 / 20
Transparency and trust17 / 20
Honest weakness named17 / 20
Total89 / 100 · Solid pick

Frequently asked

Does the Capital One SavorOne Cash Rewards charge an annual fee?

No. The Capital One SavorOne Cash Rewards carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.

What APR does the Capital One SavorOne Cash Rewards charge?

Variable APR — verify current range at capitalone.com. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Does the Capital One SavorOne Cash Rewards charge foreign transaction fees?

No. The Capital One SavorOne Cash Rewards has no foreign transaction fee, so it works cleanly for purchases abroad.

Who is the Capital One SavorOne Cash Rewards best for?

Dining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and grocery stores at a $0 annual fee — with no foreign transaction fee, so the 3% dining rate follows you abroad.

Who should skip the Capital One SavorOne Cash Rewards?

Warehouse-club grocery shoppers (the 3% grocery rate excludes superstores like Walmart and Target) and anyone who'd rather pay a fee for a higher dining rate — the Amex Gold earns 4x at restaurants, though it costs $325/yr.

How did ClearValue score the Capital One SavorOne Cash Rewards?

Capital One SavorOne Cash Rewards scored 89/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

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Compare the Capital One SavorOne Cash Rewards to

This is an independent editorial review. This page carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.
Capital One SavorOne Cash Rewards
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