SavorOne Rewards Credit Card for Good Credit
Basic Information
Program ID: savor-rewards-for-good-credit
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 16:15
Last Scraped: 01/15/2026 16:16
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,299.00% - 3,299.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 3,299.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $150.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Bonus cash back is typically applied to your account within 2-3 billing cycles after you meet the spending requirement.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 8.00%
Bonus Categories: 8x Capital One Entertainment, 5x Capital One Travel (hotels & rental cars), 3x Dining, 3x Entertainment, 3x Popular Streaming Services, 3x Grocery Stores (excluding superstores), 1x All Other Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.
Transfer Partners: None directly; cash back can be converted to miles at 1:1 if linked with a Capital One Venture or Spark Miles card, allowing transfers to partners such as Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Red, Wyndham Rewards, Accor Live Limitless.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 739
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Savor Rewards for Good Credit card in 2026 is primarily for applicants with 'good credit' (typically FICO scores in the 670-739 range), demonstrating a stable income and a history of responsible credit management. Capital One generally restricts welcome bonus eligibility if you have received a bonus for this specific Savor product or a similar Savor family card within the last 24-48 months. Capital One also has application restrictions, typically limiting new personal card approvals to one every six months and may decline applications if you have opened two or more Capital One accounts in the last 24 months. Capital One is known for performing hard credit inquiries from all three major credit bureaus (Experian, Equifax, TransUnion) for a single application.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, unusual spending patterns inconsistent with income, high cumulative credit limit across all Capital One products, rapid application for multiple credit cards (especially within Capital One's ecosystem), late or bounced payments, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.3 / 5.0
Top Positive Feedback:
Excellent cash back rates on dining, entertainment, and groceries with no annual fee. Great for everyday spending without complex reward structures. No foreign transaction fees is a big plus.
Top Negative Feedback:
Lower cash back rate (1%) on non-bonus categories. Some users report unpredictable approval odds despite good credit. Rewards are simple cash back, not travel points.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Citi Custom Cash Card
- American Express Blue Cash Everyday
Card Value Score: 88.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: January 2024