SavorOne Dining Rewards
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The SavorOne Dining Rewards from Capital One earns up to 4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95.
- Top category
- Dining
- Effective value
- 4%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 4% back.
What does the SavorOne Dining Rewards earn in each category?
Dining is the strongest category at 4% effective value (4% back). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SavorOne Dining Rewards compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight music and audio at 4x among the.
Dining is the strongest category at 4% effective value (4% back). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SavorOne Dining Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 4% back | 4% Top category |
| Grocery Supermarkets and grocery stores | 3% back | 3% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 4% back | 4% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the SavorOne Dining Rewards reward caps and conditions?
The SavorOne Dining Rewards has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn unlimited 4% cash back on dining
- Earn unlimited 3% cash back at grocery stores.
- Earn unlimited 4% cash back on popular streaming services
Who should get the SavorOne Dining Rewards?
The SavorOne Dining Rewards fits spenders who put meaningful volume in dining and can earn 4% back. Best for spenders who put meaningful volume in dining and can earn 4% back.
SavorOne Dining Rewards fits spenders who put meaningful volume in dining and can earn 4% back. Madeen ranks its dining effective rate higher than about 92% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 4% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 4% effective (4% back).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the SavorOne Dining Rewards have an annual fee?
The SavorOne Dining Rewards has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What benefits come with the SavorOne Dining Rewards?
The SavorOne Dining Rewards includes Capital One Dining, Capital One Travel, Complimentary Concierge Service in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrYou'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Travel Accident Insurance
$3,000/yrGet automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Complimentary Concierge Service
$150/yrEnjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
Capital One Dining
$25/yrMake your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Capital One Travel
$25/yrGet our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
CreditWise®
$25/yrGet alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Related encyclopedia topics
Common questions about the SavorOne Dining Rewards
Where do cardholders spend most with the SavorOne Dining Rewards?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (4x), other entertainment (4x), sporting events amusement parks and museums (4x) for the SavorOne Dining Rewards. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the SavorOne Dining Rewards have an annual fee?
The SavorOne Dining Rewards carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the SavorOne Dining Rewards?
Dining is the strongest Madeen category for the SavorOne Dining Rewards at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the SavorOne Dining Rewards charge foreign transaction fees?
The SavorOne Dining Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the SavorOne Dining Rewards annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the SavorOne Dining Rewards?
Madeen's catalog lists a typical credit range of Excellent for the SavorOne Dining Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the SavorOne Dining Rewards compare to similar cards?
Compare the SavorOne Dining Rewards against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); The Key Rewards Visa (4% on Dining, $0 fee); West Elm Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
SavorOne Dining Rewards This card | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
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Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure