Review of the Capital One® SavorOne℠ Cash Rewards Credit Card

Brendan Harkness

Brendan Harkness | Reviews

Dec 21, 2017 | Updated Jun 24, 2019

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The Capital One SavorOne Cash Rewards Credit Card gives you a way to earn rewards on all the food you buy, including both restaurants and grocery stores.

That makes this card stand out, because most reward credit cards will only offer cash back in one of those categories, not both. The SavorOne card could be your automatic go-to option for any food expenses, and few cards can say that.

There are now two cards in the Savor lineup:

  • Capital One SavorOne Cash Rewards Card (this post): No annual fee; 3% cash back for dining and entertainment; $150 welcome bonus for spending $500 in the first 3 months
  • Capital One® Savor® Cash Rewards Credit Card (Review): $95 annual fee, waived the first year; 4% cash back for dining and entertainment; $300 welcome bonus for spending $3,000 in the first 3 months

Both of these cards feature contactless technology, allowing for quick tap-and-go payments.

Is the SavorOne card right to help you earn cash back whenever you go out to eat or grocery shopping? Read our comprehensive review to find out!

Our Rating: 4 Out of 5 Stars

We give the Capital One SavorOne card 4 out of 5 Stars because it’s a good choice if you want to earn cash back on the food you buy. The cash back at restaurants and grocery stores is a combination you won’t usually find on reward credit cards, so that gives it a competitive edge.

There’s no annual fee for this card, and it comes with a 15-month 0% introductory APR for both purchases and balance transfers before the regular 16.24% - 26.24% (Variable) APR starts. The welcome bonus of $150 for making $500 in purchases in the first 3 months is pretty good because it doesn’t require very much spending to get.

This rewards card comes with World Elite Mastercard benefits, which are a step above what you’ll usually get on a card without an annual fee. Most of the main competitors to this card don’t have benefits like these. These include room upgrades, discounts and complimentary breakfasts at hotels, perks at airlines, and special offers at car rental companies. Travelers might be able to get a lot out of these perks, but people who don’t travel much might never use them.

You won’t have to pay a fee for foreign transactions, a nice feature to have on any card. And Capital One’s CreditWise service lets you monitor your TransUnion credit report, which is a pretty unique and valuable feature. You’ll also get your VantageScore 3.0 based on that report. The VantageScore may not be as useful as a FICO Credit Score, but it does provide a way to keep track of your credit.

Insider Advice: Using This Card as Part of Your Credit Card Strategy

  • Want one credit card to use for all of your food expenses? The SavorOne card is a good option because it has cash back categories for both grocery stores and restaurants.
  • Be sure to get the $150 welcome bonus by spending $500 in the first 3 months.
  • Use the 15-month 0% intro APR to pay off large purchases at no interest. Just be sure to pay them off before the period ends, and to always make your minimum payments. After the 0% introductory period the regular 16.24% - 26.24% (Variable) APR will apply.
  • Take advantage of the World Elite Mastercard benefits when traveling. They include the car rental discounts, room upgrades, and complimentary breakfasts at hotels.
  • The easiest way to redeem your cash back will be through statement credits, which directly reduce the balance of your account.
  • Set up your automatic redemption preferences. You can have your cash back automatically redeemed as a statement credit whenever it reaches a certain amount, or at certain times throughout the year.
  • There are no foreign transaction fees on this card so you can use it outside the country at no extra cost.

The Rewards


Spending Rewards
  • 3% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery stores
  • 1% cash back everywhere else
Welcome Bonus Offer
  • $150 cash back for spending $500 in the first 3 months after account opening
    • Return on spend: 30%

Your rewards don’t expire, and there is no limit to the cash back you can earn.

This card is designed to give you cash back rewards for food expenses of almost every kind, covering dining at restaurants and shopping at grocery stores. The SavorOne card is actually pretty unique in that respect. Most reward credit cards only have a category for either restaurants or grocery stores, but not both. There aren’t many cards that offer the equivalent of 3% on entertainment, either.

The 2% back at grocery stores isn’t very much, however. That’s especially true because many people are likely to spend more at grocery stores than at restaurants. The Blue Cash Preferred is a great option if you want to earn more rewards for U.S. supermarket purchases, offering 6% cash back on the first $6,000 spent per year, then 1%.

The SavorOne’s welcome bonus is fairly good among reward cards, only requiring $500 of spending to earn the $150 cash back.


You can redeem your cash back in a few different ways:

  • As statement credits to reduce your account balance
  • For physical checks
  • For gift cards

We recommend that you always redeem your cash back as a statement credit because this is the easiest and most direct method. Physical checks will take several weeks to arrive.

Gift card redemption rates will vary, and you won’t always get the full value of your cash back so we recommend that you avoid this method.

You can set up automatic redemption preferences to make the process easier. You can either set it for certain dates throughout the year or when your cash back hits a specific threshold.

The Benefits

This card comes with World Elite Mastercard benefits. That’s an upgrade from the basic shopping and travel protections most cards have. This includes a variety of luxury benefits and services that can make your trips more affordable and comfortable.

World Elite Hotels & Resorts Portfolio

You’ll get complimentary discounts and benefits at over 900 hotel properties, including Starwood, Hyatt, InterContinental, and more.

The benefits include, when available:

  • Room upgrade
  • Early check-in
  • Late check-out
  • Complimentary daily breakfast for two
  • A special World Elite amenity that varies by property

World Elite Air Program

When using your card to purchase tickets from participating airlines you’ll get a selection of upgrades and discounts. The deals include:

  • Purchase a full fare Economy Class ticket on select airlines and receive an upgrade to Business Class
  • Purchase a full fare Business Class ticket on select airlines and your companion can get up to 50% off his or her Business Class airline ticket
  • Purchase a full fare Business Class ticket on select airlines and your companion receives a complimentary Business Class ticket

And participating airlines include:

Aer Lingus Aeromexico Austrian Etihad LATAM Airlines Lufthansa Virgin Atlantic

World Elite Car Rental Program

Provides a discount of 15%–25% at select car rental services, including National, Avis, and Sixt. Elite membership status is also provided with each provider.

24/7 Concierge Service

Call any time to talk to a personal assistant, who can help you in all sorts of non-emergency tasks. You can ask for a variety of services, such as:

  • Finding hard-to-find gifts
  • Making reservations
  • Finding local experts to help with everyday needs
  • Accessing unique dining and entertainment venues
  • Providing travel info and pre-trip planning services, like weather expectations, news and security advisories, must-see attractions, etc.

Capital One CreditWise®

Provides free access to your VantageScore 3.0 from your TransUnion credit report. You’ll also get access to your actual TransUnion report, which most cards don’t offer. Although this isn’t the more common FICO Credit Score, it can still be a useful way to monitor your credit.

Capital One will provide tips and advice for improving your credit score. There are email alerts to inform you of any changes to your TransUnion credit report. And you can also use the Credit Simulator to see how your credit might change from any particular financial decisions.

Shopping Protections

When shopping with your card your purchases will be covered by a few different shopping benefits.

  • Price Protection will provide reimbursement if you find an item you bought being advertised for a lower price
  • Extended Warranty will add up to two years to a manufacturer’s warranty of two years or less

Travel Protections

You’ll get quite a few travel protections through World Elite Mastercard, to help cover you while on the road or in the air. You must use your SavorOne card to pay for the related travel expenses to have access to these benefits.

There are basic Travel Assistance Services, for help with general emergencies while traveling. Plus quite a variety of others:

  • the vehicle-specific Master RoadAssist® Service for assistance with towing, tire changes, and other road services.
  • MasterRental Insurance provides coverage for rented vehicles against damage and theft, as long as you decline the rental company’s own insurance.
  • Travel Accident Insurance is available when traveling by common carrier, which covers you and your family against accidental injury or loss of life.
  • If your trip is cancelled or interrupted for an eligible reason, you can be reimbursed up to $1,500 to cover any non-refundable costs.
  • If your bags are delayed, you can get up to $100 per day for 3 days to cover the purchase of essential items.

Other Benefits

This card will come with more benefits than those listed here, like security and account management services. See the full list and check your Guide to Benefits that comes with your card to learn about the exact benefits available to you.

The Costs & Fees

Annual Fee Intro APR for Purchases and Balance Transfers Regular Purchase and Balance Transfer APR Cash Advance APR Foreign Transaction Fee
$0 0% intro on purchases for for 15 months 16.24% - 26.24% (Variable) 26.24% (Variable) None
Penalty APR Late Fee Returned Payment Fee
None Up to $39 None

This card can potentially be completely free to use because it has no annual fee. Just pay off your balance in full each month to avoid interest and fees, and you’ll be able to earn rewards at no cost at all.

You’ll get a 0% introductory APR for purchases and balance transfers for 15 months, which is pretty good, but you may be able to find a better balance transfer offer on another card.

There’s no extra fee for foreign transactions, and although this isn’t a travel credit card it’s a nice feature to have. Most cards charge a fee of up to 3%.

The Bottom Line

The Capital One SavorOne Cash Rewards Credit Card is designed for spending on food, particularly at restaurants and grocery stores. If you need a card for that purpose, this one is a strong competitor.

The cash back rates you’ll get — 3% at restaurants and on entertainment, 2% at grocery stores — are pretty good compared to most cards, and the $150 welcome bonus is not bad either. Most reward cards only have a cash back category for either restaurants or grocery stores, so it’s nice to see a card that covers both.

The extra perks are quite good for a no-annual-fee card. It comes with World Elite Mastercard benefits that can be very useful when traveling. This is an upgrade from the standard World Mastercard benefits, so cardholders should be sure to take advantage of it.

Overall, the SavorOne card is a good option to earn a decent amount of cash back on food expenses at no annual fee, so your rewards can potentially be all profit. If you’re looking for rewards for food but want to see some other options, check out the alternatives below. They offer ways to earn more at either restaurants or grocery stores, along with other valuable reward categories.

How to Apply for the Capital One SavorOne Cash Rewards

To apply for the Capital One SavorOne securely on the Capital One website, and they will check your credit reports from Equifax, Experian, TransUnion, and Innovis.

You will need excellent credit to qualify for this card.

Alternatives to the Capital One SavorOne Cash Rewards


The Discover it® Chrome (Review) is another no-annual fee rewards card that provides cash back at restaurants. In this case, 2% cash back at restaurants and gas stations

The Discover it Chrome only offers that rate for the first $1,000 you spend every quarter, which can be a bit limiting depending on your spending habits. There is no limit to the cash back you can earn with the SavorOne card for its 3% and 2% cash back categories.

Discover’s Cashback Match will also double the total amount of cash back you earn in your first year with the card. So you’ll end up earning 4% cash back at restaurants and gas stations, and 2% cash back for every other purchase. That’s a pretty great deal compared to most no-fee reward cards.

The Capital One Savor, for comparison, provides $150 for spending $500 in the first 3 months. To earn that much with the Discover it Chrome during the first year when Discover will double the cash back earned, you’d have to spend $3,750.

You’ll get a 14-month 0% introductory APR for purchases and balance transfers with the Discover it Chrome. That’s just a bit shorter than the 15 months you’ll get with the SavorOne card before the regular 16.24% - 26.24% (Variable) APR starts.

The Discover it Chrome doesn’t come with any travel and shopping protections. However, the Discover card does provide access to your FICO 8 Credit Score from TransUnion. This might be more useful than the VantageScore 3.0 you get with the SavorOne card. The SavorOne card also provides access to your actual TransUnion credit report too, which is an interesting feature.

You probably wouldn’t need to use both of these cards because they are fairly similar. Look to the Discover it Chrome if you want a card for restaurants and gas stations. Or consider the SavorOne if you want a card for restaurants and grocery stores.


The Uber Visa Card is quite rewarding. For no annual fee you’ll get:

  • 4% cash back at restaurants
  • 3% back at hotels and airlines
  • 2% back with Uber and video/music streaming services
  • 1% back everywhere else

That 4% cash back at restaurants is better than the 3% back you’ll get with the SavorOne card. But the Uber Visa has no category for grocery stores. So it’s not as dedicated to food rewards as the SavorOne card, but it has some good reward potential elsewhere.

The Uber Visa offers a $100 cash bonus for spending $500 in the first 90 days. That isn’t as good as the welcome bonus for the SavorOne card: $150 cash back for spending $500 in the first 3 months.

There are also some important differences in the extra benefits these cards have. Both cards provide some standard shopping and travel protections, although the SavorOne card also has World Elite Mastercard benefits. These are mostly beneficial for travelers. The Uber Visa Card does not have those benefits. But instead it offers a $50 annual credit for music and video streaming services, like Netflix, Audible, and Amazon Prime. It also provides up to $600 in mobile phone insurance against damage or theft.

There is no 0% introductory rate with the Uber Visa card. Other than that these cards are pretty similar. Neither one charges a fee for foreign transactions, a feature important for travelers.

If you’re looking for a card only for restaurants and grocery stores, the SavorOne would work well for you. But if you want to earn rewards for food along with some other categories as well, consider the Uber Visa cash back card.


The Citi® Double Cash Card - 18 month BT offer (Review) has no annual fee, just like the SavorOne card, but it offers a steady 2% cash back for every purchase you make. That includes restaurants, gas stations, and anywhere else. This is one of the better credit card offers for earning general rewards.

So, compared to the 3% and 2% cash back categories of the SavorOne card, the Double Cash card is a bit less rewarding at restaurants but just as rewarding at grocery stores. Plus there’s the added bonus of getting that 2% cash back everywhere else you shop. So the Double Cash card seems to have more potential here.

The Double Cash card does not have a 0% intro APR for purchases. But, it does provide a 0% intro APR for 18 months. This is better than the 15-month balance transfer offer you get with the SavorOne card before its 16.24% - 26.24% (Variable) APR begins, giving you quite a bit of time to pay off a balance.

Overall, the SavorOne card offers a bit more cash back at restaurants, a welcome bonus, and better extra benefits. But the Double Cash card is more flexible when it comes to rewards, offering that same 2% cash back for every purchase.

A good strategy could be to use these cards together, with this simple rule. Use the SavorOne card at restaurants and grocery stores, and use the Double Cash card everywhere else. That will ensure you always get at least 2% cash back when you shop.


The Costco Anywhere Visa® Card by Citi has no annual fee but only Costco members can apply for it. The cheapest Costco membership is $60.

That ends up being a pretty good deal for anyone who is already a Costco member, because this card offers:

  • 4% cash back on eligible gas, including gas at Costco (up to $7,000 spent per year, then 1%)
  • 3% back at restaurants and on eligible travel purchases
  • 2% back at Costco
  • 1% back everywhere else

That’s a good offer compared to the SavorOne card, which provides 3% back at restaurants and 2% back at grocery stores. The Costco card is just as rewarding at restaurants. And if you do most of your food shopping at Costco then you’ll be getting that same 2% back that you would for grocery stores with the SavorOne. So the Costco card can offer rewards pretty much everywhere the SavorOne card does, plus gas stations and eligible travel purchases.

There’s no introductory bonus with the Costco card, nor is there a 0% intro APR offer. As far as those terms go, the SavorOne card comes out on top.

The Costco card comes with basic travel and shopping protections, for the most part. But the SavorOne card wins in this category too. It offers some nice discounts and ways to make travel more enjoyable through its World Elite Mastercard benefits.

If you’re a Costco member, the Costco Anywhere Visa could definitely help you earn cash back on your everyday purchases. If you’re not a Costco member, you’ll have to go with the SavorOne card.


The Blue Cash Preferred® Card from American Express (Review) comes with an annual fee of $95, unlike the SavorOne card. But for that you’ll get 6% cash back at U.S. supermarkets — that’s three times as much as the SavorOne card offers — on up to $6,000 per year in purchases. You’ll also get rewards in a variety of additional categories:

  • 6% cash back for:
    • U.S. supermarkets (up to $6,000, then 1%)
    • Select U.S. streaming services
  • 3% cash back for:
    • U.S. gas stations
    • Transit
    • Select U.S. department stores (former cardholders only, until 7/31/19)
  • 1% cash back on all other purchases

So the Blue Cash Preferred has an annual fee to pay every year, but you’ll also earn more cash back. So at what level of spending does it make sense to use the no-annual-fee SavorOne card? And at what level does it make sense to use the Blue Cash Preferred?

We’ve calculated that if you spend at least $2,500 per year at grocery stores, you’ll end up earning more rewards with the Blue Cash Preferred. That’s after accounting for the annual fee. If you spend less than that, the SavorOne card will end up providing more cash back from grocery stores.

However, that only looks at grocery spending. It doesn’t account for any other cash back you might earn from other rewards categories. Use that grocery spending as a basis to decide which card would be more rewarding for you, given your particular spending habits.

The Blue Cash Preferred has a welcome bonus of $250 for spending $1,000 in the first 3 months. That’s a bit harder to get than the Savor’s offer (which is $150 cash back). Blue Cash Preferred cardholders also have access to Amex Offers. That includes a large set of deals and discounts at specific retailers. The SavorOne card doesn’t offer a feature like that.

You’ll get a 0% intro APR for 12 months on both purchases and balance transfers with the Blue Cash Preferred. That’s a bit shorter than the 15 months you’ll get with the SavorOne card before the regular 16.24% - 26.24% (Variable) APR kicks in, and the extra perks are better with the SavorOne card. Cardholders get World Elite Mastercard benefits, which are great for travelers. These can make your trips more comfortable and bit more affordable. But the Blue Cash Preferred only comes with some basic travel and shopping protections for the most part.

If you spend enough at U.S. supermarkets each year, the 6% cash back you’ll get with the Blue Cash Preferred can add up to a whole lot. On the other hand, if you don’t spend that much at grocery stores, you’d be better off with a no-annual-fee card like the SavorOne.

Do you like the Blue Cash Preferred card but don’t like the annual fee? Take a look at the Blue Cash Everyday® Card from American Express® (Review). It has no annual fee, but offers reduced rewards:

  • 3% cash back at U.S. supermarkets
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back everywhere else
  • a $150 statement credit for spending $1,000 in the first 3 months


Looking for other reward credit cards? See our picks for the best ones!

If you use the Capital One SavorOne Cash Rewards Credit Card, how do you like it? Leave your own review of the Capital One SavorOne Card, we’d love to hear from you!

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