Capital One SavorOne
Last updated: June 20, 2026. Verify current terms with Capital One before applying.
Core multipliers
- 8%Purchases made through Capital One Entertainment (sporting events, concerts, and experiences booked through Capital One's entertainment portal).
- 5%Hotels and rental cars booked through Capital One Travel.
- 3%Dining at restaurants, including takeout and delivery (subject to Capital One's category definitions).
- 3%Entertainment, including movies, sporting events, concerts, theme parks, and similar coded merchants outside the Capital One Entertainment portal.
- 3%Popular streaming services (verify which streaming merchants Capital One includes in this category).
- 3%Grocery stores — warehouse clubs and superstores such as Walmart and Target are excluded from this category.
- 1%All other purchases.
Card snapshot
What the card is built around
The Capital One SavorOne is a no-annual-fee cash back card targeting everyday lifestyle spending. It delivers 3% across four categories — dining, entertainment, popular streaming, and grocery stores — with no spending caps and no enrollment steps. The 8% rate on Capital One Entertainment applies to ticketed events booked through Capital One's portal, and the 5% Capital One Travel rate covers hotel and rental car bookings in the portal. The card's structure is designed for people whose regular spending maps to these categories, enabling meaningful cash back accumulation without carrying an annual fee.
Category details that matter
Grocery store exclusions
The grocery store 3% rate excludes superstores (Walmart, Target) and warehouse clubs (Costco, Sam's Club). If your grocery spending happens primarily at excluded merchants, your effective rate on groceries will be 1%, not 3%. Verify coding of specific merchants at capitalone.com before relying on the rate.
Capital One Entertainment vs. entertainment category
The 8% rate applies only to purchases made through Capital One Entertainment — Capital One's own ticket-purchasing portal. General entertainment spending at movie theaters, stadiums, and similar venues earns 3% at the broad entertainment category rate, not 8%. The distinction matters for high-ticket event purchases.
Streaming services
Not every streaming platform may be included in the 3% rate. Capital One defines which merchants qualify. Verify which specific streaming services earn 3% at capitalone.com before relying on the rate for a particular subscription.
Redemption options
Statement credits and cash
Cash back can be redeemed as a statement credit to reduce your balance, a check mailed to you, or applied to eligible purchases. Capital One does not impose a minimum redemption threshold on the SavorOne.
Amazon and PayPal checkout
Capital One allows cash back to be used at checkout for Amazon.com purchases and via PayPal, providing additional flexibility for online redemptions.
Cash back vs. miles
The SavorOne earns cash back, not transferable Capital One miles. Cash back cannot be transferred to airline or hotel partners. For award travel through Capital One's 22+ transfer partners, compare with the Venture Rewards ($95 annual fee) or Venture X ($395 annual fee).
Earn rate summary by category
Insurance and protections
The SavorOne includes standard Mastercard benefits and Capital One-specific protections. Verify coverage limits and eligibility conditions in the official Capital One benefit guide.
What is not included
The SavorOne does not include transferable miles, airport lounge access, trip delay or cancellation insurance, or a travel credit. It earns cash back only. For transferable miles and travel protections, the Venture Rewards and Venture X offer those features with annual fees.
Fit checklist
- Your spending is concentrated in dining, entertainment, streaming, and grocery stores, and you want elevated cash back rates on those categories without an annual fee.
- You attend events or concerts and can use Capital One Entertainment to purchase tickets, earning 8% on those purchases.
- You prefer simple cash back over transferable points and do not need airline or hotel award flexibility.
- You book hotels or rental cars through Capital One Travel occasionally and can capture the 5% portal rate.
- You do not need trip delay or cancellation insurance and are comfortable with the card's secondary rental car coverage.