Capital One® SavorOne℠ Cash Rewards Credit Card

Cardholders' Choice i
Cardholders' Choice i
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  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Annual Fee:
$0
Purchase Intro APR:
0%*
(15 months)
Purchase Regular APR:
14.74% - 24.74%*
Variable
Balance Transfer Intro APR:
0%*
(15 months)
Balance Transfer Regular APR:
14.74% - 24.74%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 24.74%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $38
Penalty APR None
Balance Transfer Fee 3%
Foreign Transaction Fee None
Return Payment Fee See Terms*

Rewards

Welcome Bonus

Earn $150 after you spend $500 in the first 3 months.

All Purchases

1% cash back per dollar

No cap on spending

Groceries

2% cash back per dollar

Restaurants

3% cash back per dollar

Entertainment

3% cash back per dollar


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
myhnylynn
Go to card
by myhnylynn
Helpful to 259 out of 268

This is our go to card for dining and groceries.  Be sure not to keep a balance because Capital One is brutal with their APR.  I immediately received my $150 bonus as soon as I reached $500.  

Applied and got $10,000 limit.  TU 696 Equifax 701.  Chapter 13 100% payback filed 2012-still on CR.  Ch13 drops off January 2019. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
kenzier
by kenzier
Helpful to 113 out of 133

Applied for this card with an 825 credit score. Got approved with a measly $1,000 credit line. Tried multiple times to get an increase and could not make any traction with their online system or customer support managers. To add insult to injury, my credit score plummeted 30 points after I added this card. Can’t tell if it was just the hard inquiry or if it’s the low limit making my utilitization percentage look terrible on this one card. I have less than 1% overall utilization but on this card, it’s well over 50% with my weekly usage. I told customer service they were basically sending me back to using my Chase Sapphire with my $18,000 limit. The customer service manager just said that’s a shame but they won’t increase my limit. Ridiculous and myopic policy. Will be cancelling this one and never using CapitalOne again.


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‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2018 through November 2018. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

 
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