All about the Capital One SavorOne credit card

May 19, 2026|7 min read

Light rewards and limited benefits might be a familiar offering for people with fair credit. 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 and on dining, entertainment and 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 and Capital One Entertainment.

SavorOne rewards

SavorOne rewards are simple. You can earn unlimited 3% cash back at grocery stores and on dining, entertainment and popular streaming services, plus unlimited 1% cash back on everything else.

3% cash back at grocery stores

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 like Walmart and Target. But you can earn it at:

Supermarkets
Specialty markets
Meat lockers
Freezers
Dairy product stores

3% cash back on dining

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
Takeout and delivery
Bars
Lounges
Fast-food chains
Bakeries

3% cash back on entertainment

Earning unlimited rewards means cash back wherever 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

These days, streaming is about more than just new releases and rewatchables. Streamers now offer live sports, music and more. You can enjoy it all 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.

1% cash back on everyday purchases

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

Elevated cash back rewards

Being a SavorOne cardholder also means exclusive access to premium Capital One experiences and elevated rewards.

Capital One Entertainment: SavorOne cardholders earn 8% cash back on purchases made through Capital One Entertainment. The digital platform provides exclusive access to unforgettable experiences across sports, music, dining, theater and more. You can pay for tickets to thousands of events with your rewards, your card or a combination of both.
Capital One Travel: Book hotels, vacation rentals, rental cars and activities through Capital One Travel to earn 5% cash back. You can also use your rewards to pay for all or part of your trip. But no matter how you pay, you can book with confidence knowing you got Capital One’s best deal.

SavorOne rewards redemption options

Once you earn rewards with SavorOne, it’s time to enjoy them. There are a lot of ways to redeem credit card 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 rewards for a gift card from restaurants, retailers and more.
Amazon.com: Use your rewards to pay for Amazon.com orders by applying them at checkout.
PayPal®: Use your rewards when shopping with PayPal 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.

SavorOne account rates and fees

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

Annual fee: Cardholders have access to unlimited rewards for $39 a year. View important rates and disclosures. There are no hidden fees. And with 3% cash back, a monthly spend of just $109 at the grocery store is enough over the year to cover the annual fee.
No foreign transaction fees: There are no foreign transaction fees on purchases made outside the U.S. when you use a Capital One card. View important rates and disclosures.
Interest rates: You can learn about annual percentage rates (APRs) for SavorOne cards by reading the card’s rate and fee information.

Capital One digital tools

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

Capital One Mobile app

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, your Capital One assistant

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 anytime in the mobile app, online or by text message.

CreditWise from Capital One

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 to use, and it won’t affect your credit scores.

SavorOne account management and security

Take control of your finances while staying protected with features including:

Automatic credit line reviews: You could be automatically eligible for a higher credit limit in as little as six months.
$0 fraud liability: If fraudulent purchases are made on your account, you won’t be responsible for unauthorized charges.
Card lock: You can easily lock your card if it’s misplaced, lost or stolen. When you find your card, unlocking it is just as simple.
Automatic payments: With AutoPay, you don’t have to worry about tracking payment dates. And you have options when it comes to payment amounts.
Personalized payment schedule: Choose a monthly due date and payment method that’s most convenient for you.
Account alerts: Set up email or text alerts to stay on top of your account.

Other Capital One dining and entertainment credit cards

SavorOne is designed for those with fair credit and is one of several Capital One dining and entertainment cards. Learn more about the Savor, Savor for Good Credit and Savor Student cards.

Key takeaways: Capital One SavorOne

With a SavorOne credit card, you can get rewarded with 3% cash back at grocery stores and on dining, entertainment and popular streaming services. You can also earn unlimited 1% cash back on all other purchases, all for just $39 per year. View important rates and disclosures. And because rewards don’t expire for the life of the account, you have flexible redemption options.

See whether you’re pre-approved today, without harming your credit scores.

Footnotes

Learn more about FDIC insurance coverage.

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

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Capital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners.

By clicking on some of the links provided, you may be taken to a third-party website that is not hosted by Capital One. In those cases, the owner of the website is responsible for the website content. Their privacy practices and level of security may be different from Capital One’s, so please review their policies.

The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to be a Capital One account holder to sign up for CreditWise.

CreditWise Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.

Web access is needed to use the mobile app. Check with your service provider for details of specific fees and charges. Routine or unscheduled maintenance may impact accessibility.

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.

Claims of unauthorized use and liability for unauthorized charges are subject to investigation and verification.

Eno is learning all the time and may not catch everything. Eno may not catch all eligible charitable transactions and is not a tax advisor. Potential charitable donations identified by Eno may or may not qualify with the IRS. Eno service outages may occur. Capital One customers are responsible for regularly checking their account statements. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Texting with Eno means you agree to chat about your account over SMS and receive recurring messages. Message and data rates may apply. Mobile phone carrier fees for text messages may apply.

Some or all Eno features may not be available to all Capital One customers, depending on the types of accounts held. For example, certain bank accounts are not eligible to text with Eno, and Eno email notifications, app notifications and virtual card numbers from Eno may not be available for certain credit cards.

The Eno browser extension for virtual card numbers is only available in certain web browsers, and enrollment is required. Virtual card numbers are not available for debit cards and some credit cards.

PayPal Pay with Rewards is available to eligible cardholders with accounts open and in good standing. Visit www.paypal.com/capitalone for additional details. PayPal.com and the PayPal logo are trademarks of PayPal Holdings Inc. or its affiliates. PayPal terms and conditions apply.

Amazon.com and the smile logo are trademarks of Amazon.com Inc., or its affiliates.

The availability of any specific gift card is not guaranteed. Rewards redemption rates vary and are subject to change.

The 3% food earn is limited to purchases made at grocery stores and restaurants, excluding superstores like Walmart and Target. The 3% fun earn is limited to entertainment purchases and popular streaming.

Capital One Entertainment ticketing platform: To use the Capital One Entertainment ticketing platform experience, you must be a Capital One cardholder with an eligible rewards-earning credit card, in good standing; at least 18 years old; and either a primary account holder or an account manager for an eligible consumer credit card, or a primary account holder for an eligible small business credit card. Eligible cards include US-issued, Capital One branded rewards-earning consumer and small business credit cards. Capital One debit cards, private label retail credit cards, and co-brand partner cards are not eligible for the Capital One Entertainment ticketing platform. Capital One online account required; additional terms apply. Please see the Capital One Entertainment ticketing platform’s Terms of Use for more information about ticketing policies and terms and conditions.

Capital One Cardholder Pre-sales: Capital One cardholder ticket and event offers are open to Capital One cardholders with an eligible credit card, as well as eligible Capital One debit cards and co-brand partner cards. Capital One private label retail credit cards are not eligible.

Access to cardholder-exclusive events varies by card.

The number of tickets you may purchase for an event may be limited. Some events may have age restrictions and some offerings may have an additional cost or be available on a first-come, first-served basis while supplies last. By clicking on the links above, you may be taken to a site maintained by a third-party.

Eligible Quicksilver, QuicksilverOne, Quicksilver Secured, Quicksilver Student, Journey, Capital One Cash, Spark Cash Select, Spark Classic, Spark Cash, Spark Pro, Spark Cash Plus and Spark Business cardholders will earn 5% cash back on Capital One Entertainment purchases. Eligible Venture X, Venture, VentureOne, Capital One Miles, Venture X Business, Venture Business, VentureOne Business, Spark Miles, and Spark Miles Select cardholders will earn 5 miles per dollar spent on Capital One Entertainment purchases.

The 8% cash back on Capital One Entertainment purchases includes tickets purchased directly through the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor card. The 8% excludes: (i) tickets purchased through Capital One cardholder exclusive pre-sales; and (ii) tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. Cash back earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Online account required.