Savor and SavorOne are both Capital One dining-and-entertainment cash-back cards. The only meaningful difference is Savor's 4% vs SavorOne's 3% on dining/entertainment — and the $95 fee. The break-even is roughly $9,500 in dining + entertainment per year; below that, SavorOne wins net. Verify current offers at capitalone.com, Q2 2026. Note: Capital One Savor availability may be limited.
Capital One
4% cash back on dining and entertainment with a $95 annual fee.
Pros
Capital One
No-annual-fee cash back on dining, entertainment, and groceries.
Pros
Per-spec leads computed from published specs — no single overall winner. Reviewed 2026-07-14.
| Spec | Capital One Savor Cash Rewards Credit Card | Capital One SavorOne Cash Rewards Credit Card |
|---|---|---|
| Origination fee | $95 | ◈ $0 |
| Best for | High dining-and-entertainment spenders who can offset the annual fee through category earn. | Everyday spenders who eat out and want strong cash back with no annual fee. |
◈ marks the stronger option for that row.
Pick Capital One Savor Cash Rewards Credit Card if: High dining-and-entertainment spenders who can offset the annual fee through category earn.
Pick Capital One SavorOne Cash Rewards Credit Card if: Everyday spenders who eat out and want strong cash back with no annual fee.
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See all picks, methodology, and side-by-side comparison in Best Personal Credit Cards 2026.
The 1% earn-rate difference (4% vs 3%) on dining and entertainment covers the $95 fee at roughly $9,500 of annual category spend. Below $9,500/year in dining + entertainment, SavorOne's $0 fee wins on net cash back. Above that threshold, Savor pays back more in category rewards. Verify current fees and earn rates at capitalone.com, as Savor's availability may be limited.
Neither card charges foreign transaction fees — a meaningful perk for international diners and travelers. Both earn the same cash back on international dining purchases at their respective rates.
Capital One defines entertainment broadly — categories that qualify include movie theaters, sports events, amusement parks, tourist attractions, aquariums, zoos, bowling alleys, and music venues. Streaming services count as entertainment on both cards. The specific merchant category codes (MCCs) Capital One recognizes can vary; verify the full eligible entertainment list at capitalone.com. Grocery stores, gas stations, and streaming earn at a lower rate (SavorOne: 8% on Capital One Entertainment, 5% on hotels/rental cars booked through Capital One, 3% grocery/dining/streaming). Confirm current rates at capitalone.com.
Both Savor and SavorOne earn cash back — not Capital One Miles (the travel rewards currency tied to Venture and VentureX). Savor/SavorOne rewards are redeemable as statement credits, checks, or for purchases — they do not transfer to airline miles programs. If you want transferable travel points, Capital One Venture or VentureX is the right Capital One card. Savor/SavorOne is pure dining-and-entertainment cash back. Verify redemption options at capitalone.com.
No. Cash back earned on Capital One Savor and SavorOne does not expire as long as your account remains open and in good standing. There is no minimum redemption threshold — you can redeem as little as $0.01. Rewards are forfeited only if your account is closed. Capital One's cash back program has no annual redemption deadline or expiration calendar. Verify current terms at capitalone.com.
Historically both cards have offered welcome bonuses for new cardholders after meeting a minimum spending threshold in the first few months. Bonus offers vary and change periodically — verify the current bonus at capitalone.com before applying. Note that Capital One Savor's availability as a new product has been limited at times; SavorOne is the more consistently available card for new applicants. Welcome bonuses on either card can substantially offset the first year's fee (Savor) or simply add first-year value (SavorOne). The CFPB has guidance on evaluating credit card sign-up bonuses at consumerfinance.gov.
Capital One Savor and SavorOne include purchase security and extended warranty protection as cardholder benefits. Purchase security covers eligible items against theft or accidental damage within 90 days of purchase. Extended warranty adds up to one additional year on eligible manufacturer warranties. For high-ticket electronics or appliances, these benefits can replace the need for retailer add-on warranty plans. Verify the current benefit limits in the Guide to Benefits at capitalone.com, as benefit terms can change.
Capital One Savor Cash Rewards and SavorOne Cash Rewards typically target applicants with good-to-excellent credit. Most reported approvals fall in the 670–850 FICO score range. Capital One evaluates the full credit profile including income, existing debt load, and derogatory marks — not just the FICO score. Capital One typically pulls from all three bureaus (Equifax, Experian, TransUnion) for credit card applications, resulting in three hard inquiries rather than one. If you're comparing cards across multiple issuers, Capital One's triple-pull policy is worth knowing. Source: CFPB guidance on credit scores at consumerfinance.gov.
No. Capital One Savor and SavorOne earn cash back rewards — not Capital One Miles. Cash back from these cards cannot be converted to Capital One Miles and does not transfer to airline or hotel loyalty programs. Capital One Miles (earned on Venture, VentureX, and Spark Miles cards) transfer to 15+ airline and hotel partners at 1:1. Savor/SavorOne cash back can only be redeemed as statement credits, checks, or for purchases through Capital One Shopping. If travel redemptions and transfer partners are your priority, the Capital One Venture family earns in the right currency. Source: Capital One rewards terms at capitalone.com.
Capital One SavorOne Cash Rewards typically includes a 0% intro APR period on purchases and balance transfers for an introductory window — confirm current terms at capitalone.com, as promotional lengths change. Capital One Savor Cash Rewards (the $95/year card) has historically not included a 0% intro APR on purchases. If a no-interest runway for a planned large purchase is important, SavorOne's introductory offer is typically the better fit between the two. Confirm current promotional rates directly at capitalone.com before applying. Source: Capital One Savor and SavorOne product pages at capitalone.com.
Independent editorial comparison. ClearValue Lending is not the issuer of any product compared here; affiliate links may pay a referral commission at no cost to you — selection is independent of compensation.