SavorOne 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 Rewards from Capital One earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $39.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $39
Best for dining-heavy spend when the $39 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back.
What does the SavorOne Rewards earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SavorOne Rewards compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight music and audio at 3x among the top.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SavorOne Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% 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 | 3% back | 3% |
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 Rewards reward caps and conditions?
The SavorOne 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 3% cash back on dining
- Earn unlimited 3% cash back at grocery stores
- Earn unlimited 3% cash back on popular streaming services
Who should get the SavorOne Rewards?
The SavorOne Rewards fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back.
SavorOne Rewards fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% 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 3% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $39 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
Cons
- $39 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the SavorOne Rewards have an annual fee?
The SavorOne Rewards has an annual fee of $39 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $39
- Foreign transaction fee
- None
What benefits come with the SavorOne Rewards?
The SavorOne Rewards includes Capital One Dining, Capital One Entertainment, Capital One Travel 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.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Complimentary Concierge Service
$150/yrEnjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
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 Entertainment
$25/yrEnjoy access to can't-miss events while earning 8% cash back on Capital One Entertainment purchases with your SavorOne Card.
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.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Related encyclopedia topics
Common questions about the SavorOne Rewards
Where do cardholders spend most with the SavorOne Rewards?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (3x), other entertainment (3x), sporting events amusement parks and museums (3x) for the SavorOne 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 Rewards have an annual fee?
The SavorOne Rewards carries an annual fee of $39 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 Rewards?
Dining is the strongest Madeen category for the SavorOne Rewards at about 3% 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 Rewards charge foreign transaction fees?
The SavorOne 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 Rewards annual fee worth it?
Whether the $39 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 Rewards?
Madeen's catalog lists a typical credit range of Fair for the SavorOne Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the SavorOne Rewards compare to similar cards?
Compare the SavorOne Rewards against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The 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 Rewards This card | Dining | 3% | $39 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
Store-specific guides
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