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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Capital One SavorOne Rewards Card card art
SavorOne 1 of 1
Comparing 1 card
Capital One SavorOne Rewards Card card art
Capital One
SavorOne
Apply Details
Cost and value $39 fee
Annual fee
$39
Credits you can use a year, if you use every one
None
Fee after credits
$39 a year net cost
Point value per point or mile
1.00¢ Fact
Rewards currency
Cash back
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus No current offer
Bonus
No current offer
Estimated value
Not listed
Spend to earn it less a month is easier
No current offer
Earning rates Top rate 8% back
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
3% back
Groceries
3% back
Hotels
1% back the everything-else rate
  • 5% back via the issuer portal, about 5.0%
Streaming / Subscriptions
3% back
Entertainment
3% back
Everything else
1% back
Only on this card
  • 8% back Brand purchases
Statement credits No credits
Monthly credits to track fewer is less work
0
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Travel benefits
  • Enjoy comprehensive, personalized assistance in dining, entertainment and travel, 24 hours a day, 365 days a year.
  • Save an average of 15% on flights with price prediction from Capital One Travel.
Protection and insurance 2 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Extended warranty
  • You'll get additional warranty protection at no charge on eligible items purchased with your credit card.
Other coverage
  • Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Lifestyle and other perks 4 perks
Lifestyle and entertainment
  • An online shopping tool that automatically applies available coupon codes to your order.
  • Cardholders have exclusive access to earn statement credits or rewards by shopping online at thousands of retailers, like Adidas, Macy's and more.
  • Enjoy 8% cash back on Capital One Entertainment purchases and access to can't-miss events across music, sports, dining, theater and more with a collection of VIP packages, exclusive pre-sales, tickets and onsite perks.
Other perks
  • Capital One cardholders enjoy 50% off all handcrafted beverages every day at any Capital One Café nationwide.
Authorized users Free
Cost
Authorized users are free.
Each one gets
  • Extended warranty
  • Travel accident insurance
Application rules 1 per 6 months
Issuer approval rules
  • 1 per 6 months Rumored, inconsistent
    What counts

    Capital One is commonly reported to approve at most 1 of its cards per 6 months.

Bonus eligibility
Not listed
Card type
Personal