All about the Capital One SavorOne credit card

Building credit shouldn’t put credit card rewards out of reach. Especially when credit bureau data shows that less than 2% of consumers have perfect credit scores. 

Light rewards and limited benefits might be common in some places, but Capital One has a credit card that’s different: SavorOne.

What you’ll learn:

• SavorOne cardholders earn unlimited 3% cash back at grocery stores, on dining and entertainment, and on popular streaming services—plus 1% cash back on everything else.*

• The annual fee for the SavorOne card is $39. View important rates and disclosures.

• Cash back rewards don’t expire for the life of the account, and cardholders have flexible redemption options.

• SavorOne cardholders can access exclusive benefits and earn elevated rewards through Capital One Travel, Capital One Entertainment and Capital One Dining. 

When it comes to SavorOne card rewards, the basics are, well, basic. That means unlimited 3% cash back on groceries, dining and entertainment, and popular streaming services, plus unlimited 1% cash back on everything else.* If you want to go beyond the basics, here’s more about each category.

The cost of food can eat into your budget. But extra cash back can take some of the bite out of high grocery bills. The 3% rate doesn’t apply at superstores.* But you could still earn it at:

• Supermarkets 

• Specialty markets

• Meat lockers

• Freezers

• Dairy product stores 

Grab a quick bite. Catch up with friends over coffee. Enjoy your favorite place to eat. Earn unlimited 3% cash back at places like:

• Restaurants

• Cafes

• Bars

• Lounges

• Fast-food chains

• Bakeries 

Earning unlimited rewards means cash back where the fun takes you. That includes:

• Movie theaters

• Sporting events

• Theatrical promotions

• Amusement parks

• Tourist attractions

• Aquariums

• Zoos

• Dance halls

• Record stores

• Pool halls

• Bowling alleys

3% cash back on popular streaming services

Streaming these days is about more than just new releases and rewatchables. Streamers now offer live sports, music and more. And you can enjoy it while earning unlimited 3% cash back from eligible platforms, including: 

• Netflix®

• Hulu®

• Disney+ 

Not all streaming subscriptions are eligible. Certain on-demand, audiobook and fitness services are excluded. But the good news is you can still earn 1% cash back if you subscribe using a SavorOne card.

Being a SavorOne cardholder also means exclusive access to premium Capital One experiences. And depending on what you’re booking, you could earn more than just 3% cash back.

Good eats and good times make for great memories. But even uneventful expenses turn into cash back with a SavorOne card. With everyday purchases, you can still earn at least 1% back. Who knew buying car tires, collar stays, trash cans and sheet pans (just to name a few items) could be so rewarding?

Once you earn rewards, it’s time to enjoy them. There are a lot of ways to redeem SavorOne cash back rewards. Just sign in to your account to choose from options that include: 

• Cash: Redeem your rewards in the form of a statement credit or check.

• Recent purchase: Get reimbursed for a recent purchase. You can cover all or part of it.

• Gift cards: Redeem your cash back rewards as a gift card from restaurants, retailers and more.

• Amazon.com: Pay for your Amazon.com orders by applying your rewards at checkout.

• PayPal: Use your rewards balance as a payment method when checking out online by adding your rewards card to your PayPal wallet.

Remember, you can also use rewards to pay for bookings through Capital One Travel and Capital One Entertainment. 

Here’s some quick information about SavorOne rates and fees to help you understand whether it works for your budget.

Cardholders enjoy access to unlimited rewards for $39 a year. View important rates and disclosures. There are no hidden fees. And with 3% cash back, spending just $109 each month during the year at the grocery store is enough to cover the annual fee. 

You won’t pay foreign transaction fees when making purchases outside the United States. View important rates and disclosures.

You can learn about annual percentage rates for SavorOne cards by reading the card’s rate and fee information.

SavorOne cardholders have access to the same convenient digital services as other Capital One cardholders.

Access all your Capital One accounts in one place with the Capital One Mobile app. View your current balances, monitor your credit score, redeem rewards and more. Features like purchase alerts and subscription manager can help you track your money in real time.

Eno looks out for you and your money by monitoring your account and reaching out if it spots surprises, such as duplicate charges. If you have questions about your account, you can even chat with Eno in the mobile app, online or over text messages.

CreditWise monitors your TransUnion® and Experian® credit reports and provides personalized insights so you can learn more about your credit score. If there’s a new inquiry or other change to your credit reports, you’ll get alerted. It also offers unlimited access to your FICO Score 8 credit score. CreditWise is free for everyone, and using it won’t affect your credit scores.

Take control of your finances while staying protected with features such as:

You could be automatically eligible for a higher credit limit in as little as six months. 

If fraudulent purchases are made on your account, you won’t be responsible for unauthorized charges. 

You can easily lock your card if it’s misplaced, lost or stolen. When you find your card, unlocking it is just as simple.

With AutoPay, you don’t have to worry about tracking payment dates. And you have options when it comes to payment amounts.

Choose a monthly due date and payment method that’s most convenient for you.

Set up email or text alerts to stay on top of your account.

The SavorOne card isn’t Capital One’s only dining and entertainment card. Learn more about the Savor, Savor for Good Credit and Savor Student cards.

With a SavorOne credit card, you can get rewarded with 3% cash back on groceries, dining, entertainment and popular streaming services—plus unlimited 1% cash back on all other purchases. All for just $39 per year. View important rates and disclosures.

So whether you’re checking items off a grocery list or a bucket list, cash back rewards await. And because rewards don’t expire for the life of the account, you have flexible redemption options. 

See if you’re pre-approved today, without harming your credit scores. If you’re not convinced a SavorOne card is right for you, you can explore other Capital One cards for people with fair credit.