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Capital One
Capital One SavorOne
**** **** **** 1234
VisaCapital One
Capital One SavorOne
4.5
(1,543 reviews)cashbackrewards
Last verified March 2026
A no-annual-fee card with 3% cash back across popular spending categories.
Annual Fee
No annual fee
Purchase APR
19.99% – 29.99%
Rewards
1% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Rewards Breakdown
3% dining, entertainment, groceries & streaming, 1% everything else
| Category | Rate |
|---|---|
| Dining | 3% |
| Entertainment | 3% |
| Groceries | 3% |
| Streaming | 3% |
| Everything else | 1% |
Sign-Up Bonus
$200 after spending $500 in 3 months
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 19.99% – 29.99% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
No annual fee
3% across dining, groceries, entertainment & streaming
No foreign transaction fees
Intro APR offer
Only 1% base rate
Requires good credit
Customer Reviews
4.5
1,543 reviews
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CD
Chris D.VerifiedNov 5, 2025
No-fee card that feels premium
3% on dining, groceries, entertainment AND streaming with no annual fee? Plus no foreign transaction fees? This card checks every box.
EF
Emily F.VerifiedOct 15, 2025
Great for everyday spending
Replaced my old rewards card with this. The 3% categories cover most of my spending. Only wish the base rate was higher.