SavorOne

Capital OnePersonal

Capital One

SavorOne

Offer Strength

This card has no welcome bonus. Value comes from intro APR or ongoing benefits.

Annual Fee

$39/yr

Your Eligibility

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Welcome Offer

No welcome bonus advertised. This card is designed for fair credit applicants.

Last verified Feb 28, 2026

Earning Rates

Dining

3% cash back

Entertainment

3% cash back

Groceries

3% cash back

Eligible grocery stores

Key benefits

Dining & entertainment

Strong cash back for going out.

No annual fee

Keep long-term value with no annual fee.

Perks

No FX fees

No foreign transaction fees.

Good fit for

CashbackDiningBeginnerEntertainmentGroceries

About this card

The Capital One SavorOne is a cash back card with a $39 annual fee.

Best for

credit card beginners, dining enthusiasts

Key considerations

Low annual fee of $39 is easy to offset with benefits.

Card analysis

Annual fee value

This card carries a $39 annual fee. Evaluate whether the sign-up bonus and ongoing rewards justify the cost based on your spending patterns.

Application strategy

This card belongs to the savor product family. Capital One may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.

Analysis is auto-generated from card data and known issuer rules. Not financial advice.

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