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Capital One

SavorOne Rewards

SavorOne Rewards card art

Estimated value every year on typical spending

$489/ year

Every year, after the annual fee. No welcome bonus.

+$528rewards−$39annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit Capital One

Is it worth it?

On typical spending the Capital One SavorOne Rewards returns about $528 a year in rewards and usable credits, which covers its $39 fee with $489 to spare.

The fine print

Intro APR
Not listed
Regular APR
29.24% variable
Foreign fee
Not specified
Rewards paid as
Cash back
Approval
Approachable — fair credit and up
Redeem for
Statement credit · Direct deposit · Gift cards

Rewards

  • 3% cash back at grocery stores, on dining, entertainment and popular streaming services
  • 1% cash back on all other purchases

Sign-up bonus

Not specified

Best for

  • Big spenders on groceries

Not ideal for

  • Frequent international travelers

Trade-offs: Simple and low-cost ↔ not a rewards maximizer.

Worth knowing

Annual fee
$39
Intro APR
Not listed
Regular APR
29.24% variable
  • $500/mo on groceries earns about $180/year (3%).
  • $1200/mo on everyday spending earns about $144/year (1%).
  • The $39 fee pays for itself at about $160/mo on groceries.
  • You come out ahead of a no-fee 1% card after about $2000/year of groceries spending.

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

SavorOne Rewards: questions people ask

Is the Capital One SavorOne Rewards worth it?

On typical spending the Capital One SavorOne Rewards returns about $528 a year in rewards and usable credits, which covers its $39 fee with $489 to spare.

What is the Capital One SavorOne Rewards annual fee?

The Capital One SavorOne Rewards has a $39 annual fee. On typical spending its rewards and usable credits come to about $528 a year, so it nets about $489 after the fee.

What does the Capital One SavorOne Rewards earn?

3% cash back at grocery stores, on dining, entertainment and popular streaming services. 1% cash back on all other purchases.

What credit score do you need for the Capital One SavorOne Rewards?

The issuer recommends fair credit. Checking your matches on CardFit never runs a credit check.

Does the Capital One SavorOne Rewards charge foreign transaction fees?

The issuer's page doesn't say. Check before using it abroad.

Compare SavorOne Rewards

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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Capital One product page. Terms change often; confirm them with the issuer before you apply.