3% on groceries, dining, entertainment, and streaming — no annual fee.
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Good–Excellent credit — 700+ FICO typical; hard pull required
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Spenders who want solid grocery rewards alongside dining and entertainment at zero annual fee.
Capital One SavorOne has no annual fee and no foreign transaction fee. It earns 3% cash back at grocery stores, dining, entertainment, and popular streaming services, plus 5% on hotels and rental cars booked through Capital One Travel, and 1% on everything else.
| Year 1 value | Ongoing value |
|---|---|
| $200 welcome bonus + 3% on groceries, dining, entertainment, streaming; no annual fee | 3% grocery stores, dining, entertainment, streaming; 5% on hotels + rental cars via Capital One Travel; 1% elsewhere; no annual fee |
| Welcome spend: $500 in first 3 months; verify at capitalone.com | |
Capital One SavorOne Cash Rewards Credit Card — 3% on groceries, dining, entertainment, and streaming — no annual fee. Best for: Spenders who want solid grocery rewards alongside dining and entertainment at zero annual fee.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
The Capital One SavorOne earns 3% cash back at grocery stores, per Capital One issuer terms verified June 2026. The 3% also applies to dining, entertainment, and popular streaming services. There is no annual cap on the 3% earn rate for these categories and no annual fee. Verify current category definitions at capitalone.com before applying.
Whole Foods Market and most traditional grocery chains typically qualify for the SavorOne's 3% grocery rate. Warehouse clubs (Costco, Sam's Club) and superstores (Walmart, Target) may be categorized differently. Verify current merchant category definitions at capitalone.com before applying.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Capital One SavorOne Card. The card is issued and operated by Capital One, N.A. Reward rates, categories, and terms are determined solely by Capital One and may change — verify current terms at capitalone.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
See all picks, methodology, and side-by-side comparison in Best Grocery Credit Cards 2026.
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