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⚖ Add to comparisonCapital One · Mastercard
Capital One SavorOne Cash Rewards Credit Card
A no-annual-fee card that pays unlimited 3% on dining, entertainment, streaming and groceries, which covers most of a typical household's discretionary spend without juggling rotating categories. The trade-off is a flat 1% on everything outside those buckets, so pair it with a 2% card for the leftovers or you'll under-earn on gas and bills. A family spending $700/month across dining and groceries pockets about $250/yr just there, plus the 0% intro APR on purchases and balance transfers for 15 months (as of 2026) makes it a decent short-term financing tool. No foreign fee either; confirm the current intro length and bonus on Capital One's site before applying.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓3% spanning dining, grocery, entertainment and streaming
- ✓Charges no foreign transaction fee
- ✓An extended 0% intro APR window
👍 Pros
- + Carries no annual fee
- + Flexible set of 3% categories
- + Includes a 0% intro APR stretch
👎 Cons
- – Everything else earns the 1% base rate
- – On its own, the cash back cannot be transferred
- – Offers no lounge access
Can you get it?
- ▸A credit score in the good range
- ▸Income adequate to back the credit line
- ▸Capital One application limits may be a factor
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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