Capital One SavorOne Cash Rewards for Good Credit

The Capital One SavorOne Cash Rewards for Good Credit is a cash back card designed for people with good, but not excellent, credit. It has great rewards and benefits–everything you get with the Capital One SavorOne Cash Rewards Credit Card card, minus the bonus and the 0% intro APR offer. You get some nice travel benefits, too, like travel accident insurance and complimentary concierge. Capital One Travel can price match, so if you find a flight or hotel somewhere else for less within 24 hours of booking, Capital One will honor the lower price. We dive into the details and your approval odds in this SavorOne for Good Credit review.

Our Rating

4.3/5.0

Welcome Offer

Earn unlimited 3% cash back

Annual Fee

$0

0% Intro on Purchases

N/A

Reward Rate

1% to 10%

0% Intro on Balance Transfers

N/A

Welcome Offer

N/A

Editorial Review

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. 

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Zero Liability, Alerts, Virtual Card Numbers, Card Lock
Contactless PaymentsTap to Pay, Google Pay, Samsung Pay, PayPal
BenefitsExtended Warranty Coverage, Free credit score access, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Concierge Services, Emergency Travel Assistance, Travel Accident Insurance

Rewards

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
3% cash back
Streaming services
Earn unlimited 3% cash back on popular streaming services
3% cash back
Dining
Earn unlimited 3% cash back on dining
3% cash back
Entertainment
Earn unlimited 3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% Cash Back on Capital One Entertainment purchases.
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR29.99% (V) APR

Insurance

Extended Warranty

You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

What Credit Score Is Required to Get the Capital One SavorOne Cash Rewards for Good Credit

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 577

Average Approved Credit Score: 676

App StatusDateCredit ScoreBureauCredit Limit
Approved01/17/2024
597
Experian
$3,000
Approved01/17/2024
608
Equifax
$3,000
Approved01/17/2024
631
TransUnion
$3,000
Approved03/01/2024
642
TransUnion
$500
Approved03/01/2024
778
Experian
$500
Approved03/01/2024
790
Equifax
$500
Approved05/12/2023
680
Not Provided
$3,000
Approved03/12/2024
606
Not Provided
$3,000
Approved08/08/2023
630
Not Provided
---
Approved07/26/2023
775
Experian
$3,000
Approved09/08/2023
617
TransUnion
$2,000
Approved09/08/2023
659
Experian
$2,000
Approved09/08/2023
670
Equifax
$2,000
Approved01/10/2023
577
TransUnion
$1,000
Approved01/10/2023
587
Equifax
$1,000
Approved01/10/2023
645
Experian
$1,000
Approved12/05/2023
650
Experian
$500
Approved09/19/2023
750
Not Provided
$1,500
Approved05/11/2022
715
Not Provided
$10,000
Approved05/11/2022
823
Not Provided
$10,000
Approved08/22/2023
610
Experian
$3,000
Approved08/22/2023
619
Equifax
$3,000
Approved08/22/2023
697
TransUnion
$3,000
Approved02/10/2023
660
Not Provided
$500
Approved09/26/2023
680
Experian
$3,000
Approved10/23/2023
740
TransUnion
$3,000
Approved10/23/2023
750
Experian
$3,000
Approved10/23/2023
751
Equifax
$3,000
Denied05/06/2023
660
Not Provided
---
Denied03/16/2023
760
Not Provided
---
Denied06/01/2023
752
TransUnion
---
Denied06/01/2023
789
Experian
---

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • 3% cash back on everyday purchases including dining and grocery stores
Cons
  • No welcome bonus
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

Rating

4.5

Rewards Range

1% -10%

Annual Fee

$0

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

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