Capital One SavorOne Cash Rewards Credit Card
Basic Information
Program ID: savorone
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 11:48
Last Scraped: 01/15/2026 06:34
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 1,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,999.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of the statement closing date following the fulfillment of the spending requirement.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Dining, 3x Entertainment, 3x Popular Streaming Services, 3x Grocery Stores (excluding superstores like Walmart and Target)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as the account is active and in good standing.
Transfer Partners: N/A - SavorOne cash back cannot be directly transferred to airline/hotel partners. Cash back can be redeemed for travel at 1 cent per point.
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
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the SavorOne card typically requires good to excellent credit. Application rules for Capital One generally include a restriction of one new personal credit card approval every 6 months. Furthermore, applicants are usually limited to a maximum of two Capital One personal credit cards at any given time (excluding co-branded cards). Bonus eligibility may be restricted if the applicant currently has or has previously received a bonus for a similar Capital One cash-back product within the last 24-48 months. Capital One is known for being sensitive to recent credit inquiries and new account openings across all issuers. Applicants must be 18 years or older and a U.S. resident.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Capital One cards, rapid application for multiple credit cards (even across different issuers), defaulting on payments, suspicious spending patterns, or repeated attempts to churn bonuses.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
Excellent cash back rates on dining, entertainment, and groceries. No annual fee and no foreign transaction fees. Simple and straightforward rewards program.
Top Negative Feedback:
Lower cash back on general spending compared to bonus categories. Credit limits can sometimes be lower than desired for some users.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Savor Cash Rewards Credit Card
- Chase Freedom Flex
- Citi Custom Cash Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $450.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 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: February 2024