Capital One
Capital One SavorOne Cash Rewards
Annual Fee
$0
Sign-up Bonus
20,000 pts
Card data last reviewed 2026-08-21
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 8x on hotels (catalog median is 2x)
- 5x on flights (catalog median is 2x)
- 5x on other travel (catalog median is 1.75x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$456/yr
$456 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$560/yr
$560 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$1,108/yr
$1,108 rewards
Rewards by Category
Dining
3x
Grocery
3x
Gas
1x
Flights
5x
Hotels
8x
Other Travel
5x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
Retired product name. Capital One renamed the no-fee SavorOne to Capital One Savor in October 2024; see the Capital One Savor Cash Rewards entry for current terms. Capital One later revived the SavorOne name for a separate fair-credit card with an annual fee, which is not this record.
Capital One SavorOne Cash Rewards FAQ
What is the Capital One SavorOne Cash Rewards annual fee?
The Capital One SavorOne Cash Rewards has no annual fee.
What is the Capital One SavorOne Cash Rewards signup bonus?
20,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Capital One SavorOne Cash Rewards?
8x on hotels, 5x on flights, 5x on other travel. Everything else earns 1x.
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Sources & Verification
Card data last reviewed 2026-08-21.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.