Capital One SavorOne Review: Delicious Foodie-Focused Rewards, for No Fee

Food and entertainment rewards are the centerpiece of this card, which pays an unlimited 3% cash back at restaurants and grocery stores, but also on streaming and more.

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Our Take

5.0

NerdWallet rating 

The bottom line: If you're a frequent restaurant diner or grocery shopper, it'll be hard to find a better cash-back card for an annual fee of $0. And it's also a great pick for entertainment spending, whether you're catching a movie in the theater or at home.

Capital One® SavorOneSM Cash Rewards Credit Card

on Capital One's website

Annual fee

$0

Regular APR

14.99% - 24.99% Variable APR

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score

Quick Facts

Pros & Cons

Pros

  • No annual fee
  • Intro APR period
  • Bonus categories
  • No foreign transaction fees

Cons

  • Requires good/excellent credit

Alternate Pick: Big grocery rewards

American Express Blue Cash Preferred Credit Card
NerdWallet rating 

Blue Cash Preferred® Card from American Express

Don't eat out much? Try this alternative

This card gives you an industry-leading 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. (Terms apply.) The annual fee is $0 intro for the first year, then $95.

Read our review

Compare to Other Cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$0

Annual fee

$0

Regular APR

14.99% - 24.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Regular APR

11.99% - 22.99% Variable APR

Rates & Fees

Intro APR

0% intro APR on Purchases for 15 months

Intro APR

0% intro APR on Balance Transfers for 18 months

Intro APR

0% intro APR for 14 months on purchases and balance transfers

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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Full Review

If your recycling bin runneth over with takeout containers or grocery bags, the -annual-fee  is an excellent choice.

It offers an unlimited 3% cash back on dining and at grocery stores, as well as on entertainment and eligible streaming services. You'll get 1% back on everything else.

The potential to earn such a rich rate on both eating out and eating in helps separate this card from much of its competitors, which tend to focus on only one of those categories or the other. It's possible to find similar or higher rates in either of those categories, but rarely on both with the same card unless you're willing to cough up an annual fee.

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Card type: .

Annual fee: .

Sign-up bonus: .

Rewards:

Interest rate: .

Foreign transaction fees: None.

Minimum redemption requirement: None.

Unlike American Express, which maintains a of services that qualify for bonus rewards on streaming, Capital One has yet to publish such a list. As of May 2021, its website was describing eligibility this way: "Streaming purchases made from eligible music and video streaming services, including Netflix, Hulu and Disney+. Some services, such as Prime Video, AT&T TV and Verizon FIOS On Demand, are excluded, as well as audiobook subscription services and fitness programming."

» MORE: 

The is one of two cards under Capital One's Savor brand. The original  pays a higher rewards rate on dining, streaming and entertainment and comes with a bigger sign-up bonus — but it also charges an annual fee. Here's how the cards compare:

Which card is better for you depends first on your spending and second on your tolerance for annual fees.

The original Savor card's higher maximum cash-back rate and bigger bonus can give it a head start over the no-fee version. But you have to spend much more to snag that bigger bonus — and, of course, sign-up bonuses can vary over time.

The main question to ask is this: Do you spend enough each year on dining, streaming and entertainment to make a -annual-fee card more valuable than a -annual-fee card?

Hint: Taking into account those fees, you'd have to spend more than $9,500 a year on dining, streaming and entertainment before the regular Savor comes out ahead. (But again, that doesn't take into account the Savor's bigger bonus, assuming you can spend enough to snag it.)

A secondary question to ask is this: Do you want a 0% introductory APR period? Because if so, only the no-fee SavorOne offers that.

Whether your taste in food runs from Michelin-starred to Mickey D's to Meijer supermarkets, you can get plenty of value out of the . It has broad definitions of "dining" and "entertainment." Plus, unlike some of its competitors, it doesn't limit how much spending is eligible for its higher rewards rates, and it doesn't have a minimum amount for redeeming your rewards.

So what counts as a "restaurant" or a "theme park"? It comes down to the  assigned to the business where you use your card. If the merchant is using a code that Capital One defines as a dining or entertainment expense, you should get 3% cash back for it.

Most cards that offer bonus rewards for dining are also travel cards with steep annual fees. That’s a pain if you aren't spending thousands of dollars in the card’s bonus categories.

The offers more breathing room with its annual fee of . There's no need to worry about spending a certain amount before breaking even on rewards.

As mentioned, if you're spending upward of $9,500 a year on dining, streaming and entertainment, consider the original . That card is an especially better deal in the first year, when the bigger sign-up bonus is in play.

If you don't cook much at home, consider instead the . It, too, has a annual fee, but it earns a whopping 4X back on dining purchases. Note, however, that this card is not as rewarding on groceries or streaming, and there's no bonus category for "entertainment" spending at all.

Or if drive-thru meals are a major expense for you, look into the no-fee . It earns 5% cash back in two categories of your choice, on up to $2,000 spent per quarter on combined purchases. As of May 2021, those possible 5% categories included fast food, not to mention TV, internet and streaming services. The card also offers an uncapped 2% back in an everyday category of your choice, including restaurants. All other purchases earn 1% back.

For a , the  offers very good rewards at grocery stores. Even still, it's possible to double that rate.

Consider the , which offers 6% cash back at U.S. supermarkets (on up to $6,000 in spending each year) and 1% after that. Terms apply (see ). The card has an annual fee of . But if you spend around $61 at grocery stores each week, it would be a better deal than the .

When talking about no-annual-fee dining credit cards from major issuers, you pretty much have to include Costco's popular co-branded card, the . This card offers unlimited 3% cash back at restaurants, in addition to other bonus categories, making it a great option for dining enthusiasts. It's also a better choice if you do most of your shopping at Costco, since it offers an unlimited 2% back on Costco purchases. The , by contrast, is a Mastercard and 

The has an annual fee of , but, of course, you must be a Costco member, which has its own fee (at least $60 a year, as of this writing). If you're going to pay that fee anyway, it's an excellent pick.

You can also visit NerdWallet's  page to see how these cards compare versus other cash-back alternatives.

Foodies of any stripe may want to clear a space in their wallets for the . In terms of rewards at both restaurants and grocery stores, it may be the best -annual-fee option available.

But if your spending tends to favor one category over the other, other cards can out-earn this one.

To view rates and fees of the , see .