SavorOne Rewards Credit Card for Good Credit
Basic Information
Program ID: savorone-good-credit
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:58
Last Scraped: 01/15/2026 16:00
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: | 3% of the amount of each transfer |
| 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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,924.00%
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 2-3 billing cycles after meeting the spending requirement, but often posts much sooner.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 8.00%
Bonus Categories: 8x Capital One Entertainment, 5x Hotels & Rental Cars (via Capital One Travel), 3x Dining, 3x Entertainment, 3x Popular Streaming Services, 3x Groceries (excluding superstores), 1x All Other Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: None
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: Based on current Capital One practices (as of 2024), and extrapolating for 2026, eligibility for the SavorOne Rewards for Good Credit card typically requires a FICO score of 670+ (or equivalent 'Good Credit' standing). Applicants are generally limited to one Capital One credit card approval every 6 months. The welcome bonus is usually reserved for new cardholders who have not previously received a bonus for this specific product. Capital One is known to be sensitive to multiple applications within a short period across their product line. While not a 'once per lifetime' restriction like Venture X, obtaining a bonus for the same SavorOne product multiple times is unlikely.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, credit cycling, sudden drastic changes in spending patterns, high cumulative credit limit across Capital One products, defaulting on payments, applying for excessive credit across multiple issuers in a short timeframe, opening/closing accounts too frequently.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.4 / 5.0
Top Positive Feedback:
No annual fee, excellent cash back rates on dining, entertainment, and groceries, simple rewards structure, no foreign transaction fees.
Top Negative Feedback:
Lower rewards on non-bonus categories (1%), some major retailers like Walmart and Target are excluded from grocery bonus, Capital One's credit limit increases can be slow.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Capital One Quicksilver Rewards Credit Card
- Chase Freedom Unlimited
- Citi Custom Cash Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $420.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 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: v1.0
Last Updated: 03/01/2024 00:00