Capital One SavorOne Cash Rewards Credit Card Review

The card_name offers a good mix of cash back rewards, particularly on dining, groceries, and streaming services. There is a small welcome offer, plus you get 10% cash back on Uber and Uber Eats and a membership to Uber One for a year. Its 0% intro APR also makes the card ideal for large purchases. There is no annual fee. We dive into the details and your approval odds in this SavorOne Cash Rewards review.

Our Rating

4.5/5.0

Welcome Offer

$200 Cash Back

Annual Fee

$0

0% Intro on Purchases

15 months

Reward Rate

1% -10%

0% Intro on Balance Transfers

15 months

Welcome Offer

$200 Cash Back after you spend $500 on purchases within 3 months from account opening

Editorial Review

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Zero Liability, Alerts, Virtual Card Numbers, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, PayPal
BenefitsExtended Warranty Coverage, 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
1% cash back on all other purchases
3% cash back
Supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
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 APR19.99% - 29.99% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 19.99% - 29.99%(V) APR after that.
Balance Transfer Intro FeeN/A
Balance Transfer FeeBalance transfer fee applies
Purchases0% Intro APR for 15 months on purchases, then 19.99% - 29.99% (V) APR after that.

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 Credit Card

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: 620

Average Approved Credit Score: 743

App StatusDateCredit ScoreBureauCredit Limit
Approved04/06/2023
740
Not Provided
$1,000
Approved09/13/2023
720
TransUnion
$10,000
Approved09/13/2023
740
Equifax
$10,000
Approved09/13/2023
780
Not Provided
$10,000
Approved12/05/2023
760
Not Provided
$10,000
Approved02/01/2023
661
Experian
$5,000
Approved02/01/2023
729
TransUnion
$5,000
Approved05/11/2023
815
Not Provided
$10,000
Approved06/08/2023
620
Not Provided
$5,000
Approved04/04/2023
700
Not Provided
$1,000
Approved08/14/2023
734
Experian
$1,000
Approved08/14/2023
738
Not Provided
$1,000
Approved02/02/2023
795
Not Provided
$15,000
Approved02/02/2023
803
Not Provided
$15,000
Approved09/05/2023
820
Experian
$40,000
Approved04/12/2023
768
Equifax
$20,000
Approved04/12/2023
768
TransUnion
$20,000
Approved04/12/2023
772
Experian
$20,000
Approved02/12/2023
657
TransUnion
$1,000
Approved08/10/2023
672
Not Provided
---
Approved08/10/2023
803
Experian
---
Denied06/16/2023
700
Not Provided
---
Denied10/25/2023
776
Not Provided
---
Denied10/25/2023
778
Not Provided
---
Denied03/08/2023
811
TransUnion
---
Denied03/26/2024
736
Experian
---
Denied06/17/2023
797
Not Provided
---
Denied08/05/2023
710
Not Provided
---
Denied12/02/2023
771
TransUnion
---
Denied12/02/2023
804
Experian
---

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 10% cash back
Cons
  • High APR

What Are the Best Alternatives?

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Rating

4.5

Rewards Range

1%-6%

Annual Fee

$0 intro annual fee for the first year, then $95.

Citi Custom Cash® Card
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Chase Freedom Flex(SM)
Chase Freedom Flex(SM)

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Related Articles