SavorOne Rewards Credit Card for Good Credit

Capital One Mastercard Standard Pending

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Benefits

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Reward Categories

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Max Reward

23%

APR From
Basic Information
PENDING

Program ID: savor-rewards-for-good-credit

Issuer: Capital One

Card Name: SavorOne Rewards Credit Card for Good Credit

Card Type: Credit

Network: Mastercard

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:15

Last Scraped: Jan 15, 2026 16:16

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 8x

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

Quarterly Rotating: No

Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

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.

Redemption Penalties: None

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this 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

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

$150

Cash Back

Requirement: Spend $500 in 90 days

Timing: Bonus cash back is typically applied to your account within 2-3 billing cycles after you meet the spending requirement.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 22.99% - 32.99%

Balance Transfer APR: 32.99%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 2

Min 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.

Cliff Effect Rules: Capital One often has 'product family' restrictions, meaning receiving a welcome bonus for one Savor-branded card (e.g., SavorOne, Savor Rewards for Good Credit) may make you ineligible for a bonus on another Savor family card for a specified period (e.g., 24-48 months). This is distinct from the 'once per lifetime' rule seen on premium cards like Venture X, which applies specifically to that product.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.3 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 85.0%

Version Control
PENDING

Version ID: January 2024