Use your Capital One rewards on eligible purchases at millions of online stores. 3
SavorOne Rewards from Capital One
Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services with a $39 annual fee. 1
Find out if you’re pre-approved with no risk to your credit score.
Find out if you’re pre-approved with no risk to your credit score.
Unlimited Rewards
Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases. 1
Annual Fee
$39
Purchase Rate
29.74% variable APR
Automatic credit line reviews
Be automatically considered for a higher credit line in as little as 6 months.
CreditWise
Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One. It’s free and available to anyone, whether or not you have a Capital One product.
Fraud coverage
You’re covered by $0 fraud liability for unauthorized charges if your card is ever lost or stolen. That means you will not be responsible for fraudulent purchases. 2
Tap-to-pay convenience
Check out faster and securely with your contactless card. Simply hold or tap your card on a contactless-enabled card reader and you are good to go.
MAXIMIZE YOUR CASH BACK
Slide the bars to reveal your earning potential
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All Other Purchases
1% cash back
You could earn $132 per year with SavorOne.
Redeem rewards your way
Rewards don’t expire
With SavorOne, your cash back won’t expire for the life of the account.
Redeem any amount
You can use cash back as you go, or save up for a special occasion or big purchase.
Choose your rewards
Redeem cash back for a statement credit, check, gift cards or to cover a recent purchase.
Explore Capital One credit card benefits 7
Capital One Mobile app
Manage your account anywhere, anytime. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise. Download the Capital One Mobile app here.
Account alerts
Set up personalized email or text reminders to help you stay on top of your account.
Automatic credit line reviews
Be automatically considered for a higher credit line in as little as 6 months.
See monthly recurring transactions
24/7 access to a list of merchants that charge your Capital One card monthly, like subscriptions and bills on your account at www.capitalone.com.
Authorized user
Add an authorized user to your account and track spending by user.
Balance transfer
Transfer your higher-rate balances onto a Capital One card. Learn more about balance transfers. 8
24/7 customer service
Helpful customer service representatives are available to assist you 24 hours a day. Contact Capital One Customer Service here.
AutoPay
Set up AutoPay for your account and your payments will be made automatically every month. Learn more about setting up AutoPay.
FREQUENTLY ASKED QUESTIONS
How does Capital One determine which purchases qualify for cash back?
Every time you buy something, the merchant assigns your purchase a category code. We use these codes to figure out how much cash back you earn. Please note, Capital One is not responsible for codes used by merchants.
Some merchants that sell food and drinks that are located within larger establishments (such as hotel restaurants or grocery store food counters) as well as some food trucks or food carts may not categorize themselves as dining merchants.
Purchases made through third-party payment accounts, mobile or wireless card readers, mobile or digital wallets or similar technology may not receive a higher percentage reward, depending on how the technology is set up to process the purchase.
What counts as a grocery store?
A supermarket, meat locker, freezer, dairy product store and specialty market. Excludes superstores like Walmart® and Target®.
What counts as dining?
Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.
What counts as entertainment?
Ticket purchases made at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys. This excludes golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services.
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The 3% grocery earn is limited to purchases made at grocery stores, excluding superstores like Walmart® and Target®
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$0 fraud liability claims are subject to investigation and verification.
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PayPal.com and the PayPal logo are trademarks of PayPal Holdings, Inc. PayPal terms and conditions apply.
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Amazon.com and the smile logo are trademarks of Amazon.com Inc., or its affiliates.
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Terms apply to the use of Capital One Travel. See travel.capitalone.com/terms-of-service/ for details.
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The actual amount of cash back you earn will depend on your credit limit and purchase activity.
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Some cardholder benefits are only available to the primary cardholder and not authorized users.
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Balance transfer requests are subject to approval.
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With Card Lock, some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions.
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CreditWise availability will vary depending on ability to obtain your credit history from TransUnion® and is free for everyone whether or not you have a Capital One credit card.
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Cafés do not provide the same services as bank branches, but all Cafés have ATMs and Ambassadors who can help you. Visit a Café for details. Food and beverages provided by a third party provider. The 50% off handcrafted beverage discount is applicable with the use of any Capital One credit card, debit card, or co-branded card that displays the Visa or MasterCard logo. Limit one per person (if applicable), while supplies last. Banking products and services offered by Capital One, N.A., Member FDIC. © 2023 Capital One.