Capital One SavorOne Cash Rewards
Capital One · Cashback review
Fair-credit applicants (roughly 580-669) who eat out and stream a lot — 3% cash back on dining, entertainment, popular s
Sorted by score, never commission
Annual fee
$39
Charged each renewal year
Ongoing APR
28.99% variable
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of July 21, 2026
Best for
Fair-credit applicants (roughly 580-669) who eat out and stream a lot — 3% cash back on dining, entertainment, popular streaming, and grocery stores, plus 8% on Capital One Entertainment purchases and 5% on hotels/rental cars booked through Capital One Travel, for a $39 annual fee and no foreign transaction fee.
Not for
Readers with excellent credit — Capital One's own fee-free Savor covers the same 3% dining/entertainment/streaming/grocery ground without the $39 fee — and warehouse-club grocery shoppers, since the 3% rate excludes superstores like Walmart and Target.
The catch
Capital One relaunched SavorOne in October 2024 as the fair-credit entry in the Savor lineup, replacing what used to be a $0-annual-fee card with a $39 one and no welcome bonus. You need roughly $1,300/yr in bonus-category spend just to clear the fee — confirm you clear that before choosing this over the now-fee-free Savor.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $39
- Ongoing APR
- 28.99% variable
- Foreign transaction fee
- None
- Balance transfer fee
- $0 at the transfer APR; 4% of each transferred balance at a promo APR
- Schumer Box sourced
- July 21, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Capital One SavorOne Cash Rewards's offer changes.
We track Capital One SavorOne Cash Rewards's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Is the Capital One SavorOne Cash Rewards's $39 annual fee worth it?
The Capital One SavorOne Cash Rewards charges a $39 annual fee. In our review it earns a fees score of 13/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Fair-credit applicants (roughly 580-669) who eat out and stream a lot — 3% cash back on dining, entertainment, popular streaming, and grocery stores, plus 8% on Capital One Entertainment purchases and 5% on hotels/rental cars booked through Capital One Travel, for a $39 annual fee and no foreign transaction fee.
What APR does the Capital One SavorOne Cash Rewards charge?
28.99% variable. 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?
Fair-credit applicants (roughly 580-669) who eat out and stream a lot — 3% cash back on dining, entertainment, popular streaming, and grocery stores, plus 8% on Capital One Entertainment purchases and 5% on hotels/rental cars booked through Capital One Travel, for a $39 annual fee and no foreign transaction fee.
Who should skip the Capital One SavorOne Cash Rewards?
Readers with excellent credit — Capital One's own fee-free Savor covers the same 3% dining/entertainment/streaming/grocery ground without the $39 fee — and warehouse-club grocery shoppers, since the 3% rate excludes superstores like Walmart and Target.
How did ClearValue score the Capital One SavorOne Cash Rewards?
Capital One SavorOne Cash Rewards scored 79/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Capital One SavorOne Cash Rewards
Other cashback cards we've scored, ranked by our methodology.
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