Capital One SavorOne Cash Rewards Credit Card

Capital One Mastercard Pending

Back Apply Now

15

Benefits

5

Reward Categories

4x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: savor

Issuer: Capital One

Card Name: Capital One SavorOne Cash Rewards Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 11:54

Last Scraped: Feb 06, 2026 13:27

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 5 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Dining	4x	Cash Back	Purchases at restaurants, cafes, and bars.	No Cap
Entertainment	4x	Cash Back	Purchases at movie theaters, amusement parks, concert venues, sporting events, and tourist attractions.	No Cap
Streaming	4x	Cash Back	Purchases on eligible popular streaming services.	No Cap
Groceries	3x	Cash Back	Purchases at grocery stores (excluding superstores like Walmart® and Target®).	No Cap
All Other Purchases	1x	Cash Back	All eligible purchases not falling into other bonus categories.	No Cap

Rewards Summary

PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 4x

Categories: 4% on Dining, Entertainment, and Popular Streaming Services; 3% at Grocery Stores (excluding superstores)

Quarterly Rotating: No

Expiration Policy: Cash back rewards do not expire for the life of the account.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 15 Total

PENDING

Lifestyle 1

Concierge Service

24/7 personal assistance

Access to a complimentary 24/7 personal assistant service to help with dining reservations, event tickets, travel arrangements, and more.

Purchase Protection 2

Extended Warranty Protection

Up to 1 additional year

Extends the manufacturer's original warranty for eligible items purchased with your Savor card.

Purchase Protection

Coverage for theft or damage

Covers eligible new purchases made with your Savor card against theft or damage for a specified period from the date of purchase.

Rewards 5

Unlimited 4% Cash Back on Dining

4% cash back

Earn unlimited 4% cash back on every dollar spent at restaurants, cafes, and other dining establishments.

Unlimited 4% Cash Back on Entertainment

4% cash back

Earn unlimited 4% cash back on eligible entertainment purchases, including movie theaters, amusement parks, concerts, and sporting events.

Unlimited 4% Cash Back on Popular Streaming Services

4% cash back

Earn unlimited 4% cash back on eligible popular streaming service subscriptions.

Unlimited 3% Cash Back at Grocery Stores

3% cash back

Earn unlimited 3% cash back on purchases made at grocery stores (excluding superstores like Walmart® and Target®).

Unlimited 1% Cash Back on All Other Purchases

1% cash back

Earn unlimited 1% cash back on all other purchases not covered by the higher bonus categories.

Security 4

$0 Fraud Liability

$0 liability

You are not responsible for unauthorized charges made on your card.

Virtual Card Numbers

Enhanced online security

Generate unique, temporary card numbers for online purchases to help protect your actual card number from potential fraud.

CreditWise from Capital One

Free credit monitoring

Access to your credit score and tools to monitor your credit profile, including alerts for changes to your TransUnion® and Experian® credit reports.

Account Alerts

Real-time notifications

Receive notifications via email or text for potential fraud, unusual activity, or when your payment is due.

Travel Assistance 1

Roadside Dispatch

Pay-per-use service

Access to a pay-per-use roadside assistance program available 24 hours a day, 7 days a week. Services include towing, tire changing, jump starting, lockout service, and fuel delivery.

Travel Insurance 2

Auto Rental Collision Damage Waiver

Secondary coverage

Provides secondary coverage for damage due to collision or theft for most rental cars when you pay for the rental with your Savor card and decline the rental company's collision insurance.

Travel Accident Insurance

Coverage for accidental death or dismemberment

Provides coverage for accidental death or dismemberment when you purchase your common carrier fare with your Savor card.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus

PENDING

$300

Cash Back

Requirement: Spend $3,000 in 90 days

Timing: Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening. Your cash bonus will be automatically applied to your account within 2-3 billing cycles after you meet the spending requirement.

Fee Structure

PENDING

Annual Fee:	$95.00
Year 1 Waived:	No
Effective Annual Fee:	$95.00
Authorized User Fee:	$0.00
Min Interest Charge:	$1.00

Additional Fees

PENDING

Late Fee:	$40.00
Returned Payment:	$40.00
Balance Transfer:	3% of the amount of each transferred balance that posts to your account.
Cash Advance:	Either $5 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

740 - 850

Approval Odds

Excellent

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Available

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: Eligibility for the Savor card bonus typically requires applicants to be new cardholders, meaning they have not received a sign-up bonus for the Capital One Savor or SavorOne card (or a similar cash-back product) within the last 24-48 months, and are not currently holding the Savor card. Capital One generally restricts new credit card approvals to one every six months. Applicants are expected to have excellent credit (typically FICO scores 740+) and a strong credit history. Capital One is known for pulling credit reports from all three major bureaus.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Capital One accounts relative to income, rapid succession of applications for Capital One cards, frequent balance transfers without organic spending, sudden drastic changes in spending patterns, failure to make timely payments, suspicious activity flagged by fraud detection.

Cliff Effect Rules: Bonus eligibility for the Savor card may be restricted if you have recently held or received a bonus for the Capital One SavorOne card or other similar cash-back products within a specified timeframe (e.g., 24-48 months). Capital One generally enforces a 'one bonus per product family' or 'one bonus per X months' rule to prevent bonus churning.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
High rewards on dining and entertainment, valuable sign-up bonus, no foreign transaction fees, and solid grocery rewards.

Top Negative:
The $95 annual fee can be a deterrent for some, especially if spending doesn't fully offset it; lower rewards on non-bonus categories compared to specialized cards.

Approval Experience: 75.0 / 100

Recommended Alternatives

Capital One SavorOne Rewards Credit Card
Capital One Venture X Rewards Credit Card
Chase Sapphire Preferred Card

Card Value Score: 88.0 / 100

Est. Annual Rewards: $481.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: January 2024

Last Updated: Jan 01, 2024 00:00