Best no-annual-fee card for foodies and entertainment
As the world opens back up, maximize your purchases on four popular categories from dining, entertainment, popular streaming services to grocery stores. (Partner offer)
At a glance
- 8% 8% Cash Back on Capital One Entertainment purchases
- 5% 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% 1% Cash Back on all other purchases
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
At a glance
- 8% 8% Cash Back on Capital One Entertainment purchases
- 5% 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% 1% Cash Back on all other purchases
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 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 and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Our Take
TPG Editor's Rating
Overview
The Capital One SavorOne Cash Rewards Credit Card serves as a great introduction into the world of rewards credit card. For starters, there’s no annual fee, so you’ll rest easy knowing that you’re at an automatic net positive by opening this card. From there, earn 3% on four popular everyday spending categories, redeeming for valuable cash-back rewards back in your pocket. If you travel internationally from time to time, you can even bring this card with you, as there are no foreign transaction fees.
Pros
- Earning 3% back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores, like Walmart and Target) is a great return for a no-annual-fee credit card.
- This card is great for beginners.
- The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases for the first 15 months (19.99% - 29.99% variable APR after, there's a 3% balance transfer fee for the first 15 months or at the promotional APR offered at any other time. No fee for amounts transferred at the Transfer APR).
Cons
- If you spend a lot on dining and entertainment each year, there are cards that provide better value with higher rewards potential.
- The sign-up bonus isn’t anything to write home about (though it is easy to earn).
Who is this card good for?
There are two types of customers that would benefit from the Capital One SavorOne. First, the budget conscious consumer who doesn’t want to pay an annual fee on a credit card but spends frequently on nights out, whether it be at restaurants with friends or at the movies or on concerts, can earn a sizeable 3% return on these purchases. Another subset of consumers would be Capital One Venture Rewards cardholders who want to earn Capital One miles even faster. That’s because you can transfer all the rewards earned on the Capital One SavorOne over to your Capital One Venture card at a 1:1 rate, letting you access Capital One’s 15+ airline and hotel transfer partners.
Earning Rewards
You’ll earn unlimited 3% cash-back rewards on four categories, including dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Once you’ve reached a $25 threshold, you can redeem your cash-back rewards for a statement credit, check, gift card or shop on Amazon.com.