Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services with a $39 annual fee.
Capital One SavorOne Cash Rewards Credit Card
Annual Fee
$39
Our Mission
At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.
Rating Methodology
Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.
We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.
Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.
Read our full methodology for more information.
Our Take
McKay MoffittThe Capital One SavorOne Rewards card is a great option if you want to earn cash back without complicating things (or draining your wallet.) For a very modest annual fee, you’ll earn unlimited 3% cash back on dining, groceries, entertainment, and even popular streaming services, plus 1% back on everything else. It’s an easy way to earn on everyday spending categories that most of us are already dropping money on, and the rewards don’t expire. You’ll also get perks like no foreign transaction fees, access to Capital One’s entertainment and dining platforms, and more. If you’re working on building your credit and want a rewarding card that’s easy to use (without a huge fee attached), this one checks a lot of boxes.
Pros & Cons
Pros
- No foreign transaction fees
- Generous cash back on everyday spending
- Access to Capital One Travel
- 50% off handcrafted beverages at any Capital One Café nationwide
Cons
- Travel perks are limited
Rewards Summary
- 8% Cash Back on Capital One Entertainment purchases
- 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
- 1% Cash Back on all other purchases
Additional Benefits
- No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
- $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
Related Articles
Our Experts
Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.