Capital One · Mastercard

Capital One SavorOne Cash Rewards Credit Card

Cash Back Standard No Foreign Fees

$39 Annual Fee

28.99% Variable Purchase APR

580+ Recommended FICO

Cash Back Reward Type

Rewards

Reward TypeCash Back

Base Rate1x / 1%

Bonus RateUp to 8x

Travel Portal5x

ExpirationCash back rewards never expire for the life of the account

Redemption NotesCash back redemptions for gift cards, Amazon.com, or PayPal may yield variable value; optimal redemptions are statement credits or checks at face value. Cash back cannot be transferred to Capital One miles programs unless combined with an eligible miles-earning Capital One card.

Category	Rate	Type	Cap
Capital One Entertainment Earn 8% cash back on Capital One Entertainment purchases through the Capital One Entertainment ticketing platform.	8x	Cash Back	No cap
Hotels, Vacation Rentals, and Rental Cars via Capital One Travel Earn 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel.	5x	Cash Back	No cap
Grocery Stores Earn 3% cash back at grocery stores, excluding superstores like Walmart® and Target®.	3x	Cash Back	No cap
Dining Earn 3% cash back on dining purchases including restaurants, cafes, bars, lounges, fast-food chains, and bakeries.	3x	Cash Back	No cap
Entertainment Earn 3% cash back on entertainment purchases including movie theaters, sports promoters, amusement parks, tourist attractions, aquariums, zoos, and bowling alleys. Excludes golf courses, collegiate events, and digital streaming services.	3x	Cash Back	No cap
Popular Streaming Services Earn 3% cash back on eligible music and video streaming services including Netflix, Hulu, and Disney+. Excludes Verizon FIOS On Demand, audiobook subscriptions, and fitness programming.	3x	Cash Back	No cap
All Other Purchases Earn 1% cash back on all other purchases not covered by a higher bonus category.	1x	Cash Back	No cap

Benefits & Protections

No Foreign Fees

Travel Insurance

Extended Warranty

Lost Luggage Coverage

Benefit	Category	Value / Coverage
No Foreign Transaction Fees No fees are charged on purchases made outside the United States or in a foreign currency.	Financial	0% foreign transaction fee
Auto Rental Collision Damage Waiver Secondary coverage for damage or theft of an eligible rental car when the full rental is paid with the card and the rental company's insurance is declined.	Insurance	Complimentary (secondary coverage)
Extended Warranty Protection Extends the original manufacturer's warranty by one additional year on eligible purchases made with the card that have a manufacturer's warranty.	Insurance	+1 year on eligible warranties
Lost Luggage Reimbursement Provides reimbursement for lost or damaged luggage when the common carrier fare is paid with the card; supplemental to any compensation provided by the carrier.	Insurance	Complimentary
Travel Accident Insurance Provides automatic coverage for accidental death or dismemberment when traveling on a common carrier fare paid with the card.	Insurance	Complimentary
Capital One Café Discount Cardholders receive 50% off all handcrafted beverages at any Capital One Café nationwide.	Lifestyle	50% off beverages
Capital One Dining Access Access to exclusive dining reservations and culinary events at curated restaurants set aside for Capital One cardholders through Capital One Dining.	Lifestyle	Complimentary access
Capital One Entertainment Access Access to cardholder-exclusive VIP packages, pre-sales, and tickets to events across music, sports, dining, and theater through Capital One Entertainment.	Lifestyle	Complimentary access
Capital One Mobile App Full-featured mobile app allowing cardholders to view balances, make payments, monitor rewards, set account alerts, manage subscriptions, and access Eno virtual assistant.	Other	Complimentary
CreditWise Credit Monitoring Free access to CreditWise from Capital One, providing credit score tracking, credit report monitoring, and dark web monitoring. Available to all consumers regardless of Capital One cardholder status.	Other	Complimentary
Automatic Credit Line Review Cardholders are automatically considered for a higher credit line in as little as 6 months with responsible card use.	Rewards	Complimentary
Base Cash Back on All Other Purchases Earn unlimited 1% cash back on all purchases not covered by a higher bonus category, with no cap and no expiration.	Rewards	1% cash back
Cash Back Never Expires Rewards do not expire for the life of the account and there is no minimum redemption amount required.	Rewards	No expiration
Cash Back on Capital One Entertainment Earn 8% cash back on qualifying purchases made through the Capital One Entertainment ticketing platform, plus access to cardholder-exclusive events and perks.	Rewards	8% cash back
Cash Back on Dining Earn unlimited 3% cash back on dining purchases, including restaurants, cafes, bars, lounges, fast-food chains, and bakeries.	Rewards	3% cash back
Cash Back on Entertainment Earn unlimited 3% cash back on entertainment purchases including movie theaters, sports promoters, amusement parks, tourist attractions, aquariums, zoos, and bowling alleys; excludes golf courses and collegiate events.	Rewards	3% cash back
Cash Back on Grocery Stores Earn unlimited 3% cash back at grocery stores, excluding superstores such as Walmart® and Target®.	Rewards	3% cash back
Cash Back on Hotels, Vacation Rentals, and Rental Cars via Capital One Travel Earn 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel.	Rewards	5% cash back
Cash Back on Popular Streaming Services Earn unlimited 3% cash back on eligible music and video streaming services including Netflix, Hulu, and Disney+; excludes fitness programming, audiobook subscriptions, and Verizon FIOS On Demand.	Rewards	3% cash back
Cash Back Redemption Flexibility Rewards can be redeemed for statement credits, checks, gift cards, Amazon.com purchases, PayPal checkout, Capital One Travel bookings, or Capital One Entertainment purchases with no minimum redemption amount.	Rewards	No minimum redemption
$0 Fraud Liability Cardholders are not responsible for unauthorized charges if the card is lost or stolen.	Security	$0 liability
Card Lock Cardholders can instantly lock and unlock their card via the Capital One Mobile app if it is misplaced, lost, or stolen.	Security	Complimentary
Security Alerts Capital One notifies cardholders via text, email, or phone if potentially suspicious activity is detected on the account.	Security	Complimentary
Virtual Card Numbers (Eno) Capital One's Eno virtual assistant allows cardholders to generate virtual card numbers for safer online shopping, protecting the actual card number from data breaches.	Security	Complimentary
Capital One Shopping Access to Capital One Shopping, a free browser extension that automatically applies coupon codes at checkout and alerts cardholders to price drops on items viewed or purchased.	Shopping	Complimentary
24-Hour Travel Assistance Services Around-the-clock travel assistance including emergency card replacement and emergency cash advance if the card is lost or stolen while traveling.	Travel	Complimentary
Capital One Travel Access Access to Capital One's online travel booking portal for flights, hotels, vacation rentals, rental cars, and activities, with price prediction tools and price drop protection on flights.	Travel	Complimentary access

Interest Rates

Purchase APR28.99% Variable

Balance Transfer APR28.99%

Fees

Annual Fee $39

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer Fee$0 at the Transfer APR; 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Cash Advance FeeEither $3 or 3% of the amount of each cash advance, whichever is greater

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 2 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive cash advances, too many Capital One applications within a short period, credit reports frozen at any bureau at time of application, holding more than two personal Capital One cards simultaneously

Cliff Effect Rules

No bonus cliff rules apply to this card because no welcome bonus is offered. The SavorOne does not block or restrict bonus eligibility on any other Capital One card family, including the Savor, Venture, or VentureX.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Capital One limits personal cardholders to a maximum of two personal Capital One credit cards open simultaneously, and will not approve a new application if one was submitted within the prior six months. The Capital One SavorOne Cash Rewards Credit Card carries no welcome bonus, so there are no bonus eligibility cliffs or family-rule spending restrictions tied to this card. As with all Capital One applications, hard inquiries are pulled simultaneously from all three major credit bureaus — Equifax, Experian, and TransUnion — and all bureaus must be unfrozen at time of application.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Interest rate capped at 4% APR (below the federally required 6% SCRA maximum) on pre-service balances during active duty; all credit card fees including annual fees waived for eligible servicemembers during active duty and for one year after; benefits apply to accounts opened prior to active duty service.

Hardship Program

Hardship program available.

Capital One

$39

Annual Fee

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APR 28.99% Variable

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