Capital One SavorOne
| Annual fee | $39 Fact |
| Foreign transaction fee | None |
| Rewards currency | cash back |
| Est. point value | 1.85¢ Estimate |
Last updated Jul 19, 2026
Checked Jul 26, 2026
Before you apply
General Capital One policies as commonly reported by applicants, not a prediction about your application.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Streaming | 3x | cash back | No cap |
| Entertainment | 3x | cash back | No cap |
| Restaurants | 3x | cash back | No cap |
| Groceries | 3x | cash back | No cap |
| Everything else | 1x | cash back | No cap |
Benefits & protections
Card factsBe automatically considered for a higher credit line in as little as 6 months.
Receive help finding the nearest ATM when traveling.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel, 24 hours a day, 365 days a year.
An online shopping tool that automatically applies available coupon codes to your order.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
You'll get additional warranty protection at no charge on eligible items purchased with your credit card.
Pay for online purchases with virtual card numbers and keep your actual card number to yourself.
Pay for Amazon.com purchases using your Capital One rewards.
Use your Capital One rewards on eligible purchases at millions of online stores through PayPal.
You're covered by $0 fraud liability for unauthorized charges if your card is ever lost or stolen.
Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen.
If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.
Transfer your higher-rate balances onto a Capital One card.
With SavorOne, your cash back won't expire for the life of the account.
Check out faster and securely with your contactless card by tapping on a contactless-enabled reader.
Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One, free and available to anyone.