{"id":241605,"date":"2026-01-18T18:00:10","date_gmt":"2026-01-18T18:00:10","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=241605\/"},"modified":"2026-04-08T14:31:59","modified_gmt":"2026-04-08T14:31:59","slug":"saverone-cash-rewards-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/saverone-cash-rewards-card\/","title":{"rendered":"Capital One SavorOne Cash Rewards Credit Card Review: A Low-Cost Way to Rebuild Credit"},"content":{"rendered":"<p>The <a data-ccid=\"5048313\" href=\"\/blog\/link\/CR-CapitalOneSavorOne\" rel=\"noopener nofollow sponsored\">Capital One SavorOne Cash Rewards Credit Card<\/a> is designed for people with fair credit who still want to earn cash back on everyday spending. It offers rewards in popular categories like groceries, dining, entertainment, and streaming services, all for a modest $39 annual fee.<\/p>\n<p>But is it the right card if you\u2019re looking to rebuild your credit while earning rewards? Let\u2019s take a closer look at the card\u2019s details to see if it belongs in your wallet.<\/p>\n<div class=\"qs-card\" data-id=\"5048313\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One SavorOne Cash Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/2aaaf8bb-bb20-4832-a007-75f5f0f343ca.png\" width=\"150\" alt=\"Capital One SavorOne Cash Rewards Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"5048313\" class=\"btn-use qs-how-apply\" title='Capital One SavorOne Cash Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneSavorOne\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Featured Offer:<\/strong> Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services with a $39 annual fee.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One SavorOne Cash Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Featured Offer:<\/strong> Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services with a $39 annual fee.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$39<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a class=\"active\" href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl active\">The Capital One SavorOne Cash Rewards Credit Card is a solid entry-level card for those who are working to establish a robust credit history. You'll get access to excellent earning rates on a variety of popular purchase categories for a modest $39 annual fee. Cardholders will be automatically considered for a higher credit line in as little as 6 months.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 8% cash back on Capital One Entertainment purchases<\/li>\r\n<li>Earn 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>Earn 3% cash back at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>)<\/li>\r\n<li>Earn 3% cash back on dining, entertainment, and popular streaming services<\/li>\r\n<li>Earn 1% cash back on all other eligible purchases<\/li>\r\n<ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SavorOne\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-17fe2c9156#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Capital_One_SavorOne_Pros\">Capital One SavorOne Pros<\/a><\/li><li><a href=\"#Capital_One_SavorOne_Cons\">Capital One SavorOne Cons<\/a><\/li><li><a href=\"#Capital_One_SavorOne_Welcome_Offer\">Capital One SavorOne Welcome Offer<\/a><\/li><li><a href=\"#Earning_Rewards_With_the_Capital_One_SavorOne\">Earning Rewards With the Capital One SavorOne<\/a><\/li><li><a href=\"#Redeeming_Rewards_With_the_Capital_One_SavorOne\">Redeeming Rewards With the Capital One SavorOne<\/a><\/li><li><a href=\"#Capital_One_SavorOne_Benefits\">Capital One SavorOne Benefits<\/a><ul><li><a href=\"#Discounts_at_Capital_One_Cafes\">Discounts at Capital One Caf\u00e9s<\/a><\/li><li><a href=\"#Credit_score_monitoring\">Credit score monitoring<\/a><\/li><li><a href=\"#Fraud_coverage\">Fraud coverage<\/a><\/li><li><a href=\"#Access_to_Capital_One_Travel\">Access to Capital One Travel<\/a><\/li><li><a href=\"#Access_to_Capital_One_Entertainment\">Access to Capital One Entertainment<\/a><\/li><\/ul><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Complete_With_the_Capital_One_SavorOne\">Cards That Complete With the Capital One SavorOne<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Capital_One_SavorOne_Pros\">Capital One SavorOne Pros<\/span><\/h2>\n<ul>\n<li>Solid cash back earning for those with fair credit<\/li>\n<li>No redemption minimum threshold<\/li>\n<li>No foreign transaction fees<\/li>\n<\/ul>\n<h2><span id=\"Capital_One_SavorOne_Cons\">Capital One SavorOne Cons<\/span><\/h2>\n<ul>\n<li>$39 annual fee<\/li>\n<li>No welcome bonus<\/li>\n<li>Does not offer access to transfer partners<\/li>\n<\/ul>\n<figure id=\"attachment_165989\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-165989 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Anete-Lusina-Pexels-man-with-phone-and-credit-card-featured.png\" alt=\"close-up of a man looking at a credit card while reading something on a smart phone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Anete-Lusina-Pexels-man-with-phone-and-credit-card-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Anete-Lusina-Pexels-man-with-phone-and-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Anete-Lusina-Pexels-man-with-phone-and-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Anete-Lusina-Pexels-man-with-phone-and-credit-card-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Anete Lusina\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Capital_One_SavorOne_Welcome_Offer\">Capital One SavorOne Welcome Offer<\/span><\/h2>\n<p>Currently, the Capital One SavorOne has no cash back welcome offer and does not include an introductory APR for new cardholders. That might sound disappointing, but it\u2019s fairly typical for credit cards aimed at people with fair credit. As a result, the lack of a sign-up bonus here isn\u2019t much of a surprise.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/best-no-annual-fee-cards\/\" rel=\"noopener\">The Best No-Annual-Fee Credit Cards for Earning Transferable Points<\/a><\/strong><\/p>\n<h2><span id=\"Earning_Rewards_With_the_Capital_One_SavorOne\">Earning Rewards With the Capital One SavorOne<\/span><\/h2>\n<p>Where the <a data-ccid=\"5048313\" href=\"\/blog\/link\/CR-CapitalOneSavorOne\" rel=\"noopener nofollow sponsored\">Capital One SavorOne<\/a> really shines is in its earning rates. Here's a snapshot of how you'll earn rewards with this card:<\/p>\n<ul>\n<li>Earn 8% cash back on Capital One Entertainment purchases<\/li>\n<li>Earn 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\n<li>Earn 3% cash back at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>)<\/li>\n<li>Earn 3% cash back on dining, entertainment, and popular streaming services<\/li>\n<li>Earn 1% cash back on all other eligible purchases<\/li>\n<\/ul>\n<h2><span id=\"Redeeming_Rewards_With_the_Capital_One_SavorOne\">Redeeming Rewards With the Capital One SavorOne<\/span><\/h2>\n<p>You can redeem cash back earned with the <a data-ccid=\"5048313\" href=\"\/blog\/link\/CR-CapitalOneSavorOne\" rel=\"noopener nofollow sponsored\">Capital One SavorOne<\/a> in several ways. For example, you can apply it as a statement credit against purchases made with your card. You can also use your rewards for purchases through PayPal or Amazon after linking your card.<\/p>\n<p>Unfortunately, this card doesn\u2019t allow you to convert cash back into Capital One miles. To do that, you\u2019d need a card like the <a data-ccid=\"4048129\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/capital-one-savor-card\/\">Capital One Savor Cash Rewards Credit Card<\/a> ($0 annual fee), which is geared toward people with stronger credit profiles.<\/p>\n<figure id=\"attachment_137495\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-137495 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Brooke-Cagle-Unsplash-students-at-cafe-featured.png\" alt=\"College students at a caf\u00e9 talking together\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Brooke-Cagle-Unsplash-students-at-cafe-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Brooke-Cagle-Unsplash-students-at-cafe-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Brooke-Cagle-Unsplash-students-at-cafe-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Brooke-Cagle-Unsplash-students-at-cafe-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Brooke Cagle\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Capital_One_SavorOne_Benefits\">Capital One SavorOne Benefits<\/span><\/h2>\n<p>The Capital One SavorOne includes a handful of additional benefits beyond its cash-back earnings on everyday spending.<\/p>\n<h3><span id=\"Discounts_at_Capital_One_Cafes\">Discounts at Capital One Caf\u00e9s<\/span><\/h3>\n<p>Capital One operates more than 60 <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-cafe\/\" rel=\"noopener\">Capital One Caf\u00e9s<\/a> nationwide, and holders of the <a data-ccid=\"5048313\" href=\"\/blog\/link\/CR-CapitalOneSavorOne\" rel=\"noopener nofollow sponsored\">Capital One SavorOne<\/a> receive 50% off prepared beverages when they pay with their card. However, this perk also applies to other Capital One credit cards and even debit cards, so it isn\u2019t exclusive to the Capital One SavorOne.<\/p>\n<figure id=\"attachment_174341\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-174341 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/IMG_3224.jpg\" alt=\"Photo from a Capital One Cafe\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/IMG_3224.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/IMG_3224-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/IMG_3224-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/IMG_3224-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Brie Bash \/ AwardWallet<\/em><\/enter><\/figure>\n<h3><span id=\"Credit_score_monitoring\">Credit score monitoring<\/span><\/h3>\n<p>With Capital One\u2019s CreditWise tool, cardholders get complimentary credit score monitoring. While you don\u2019t need to be a Capital One customer to use CreditWise, it\u2019s conveniently integrated into Capital One\u2019s online and mobile experience.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">Building Healthy Credit: A Beginner\u2019s Guide to Credit Scores \u2014 And How Credit Cards Impact Your Score<\/a><\/strong><\/p>\n<h3><span id=\"Fraud_coverage\">Fraud coverage<\/span><\/h3>\n<p>Capital One protects Capital One SavorOne cardholders with a $0 fraud liability policy for unauthorized charges. As with any issuer, fraud claims are subject to review and verification.<\/p>\n<h3><span id=\"Access_to_Capital_One_Travel\">Access to Capital One Travel<\/span><\/h3>\n<p>In addition to earning a solid 5% cash back on hotels, vacation rentals, and rental cars, access to <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/capital-one-travel-portal\/\" rel=\"noopener\">Capital One Travel<\/a> is a perk on its own. The portal also offers price protection on booked flights.<\/p>\n<p>To illustrate how this works, if your flight drops in price within 10 days of booking, you can receive up to a $50 statement credit. And if the price drops within 24 hours of booking, <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/capital-one-travel-price-match\/\" rel=\"noopener\">Capital One\u2019s Price Match Guarantee<\/a> applies.<\/p>\n<h3><span id=\"Access_to_Capital_One_Entertainment\">Access to Capital One Entertainment<\/span><\/h3>\n<p><a data-ccid=\"5048313\" href=\"\/blog\/link\/CR-CapitalOneSavorOne\" rel=\"noopener nofollow sponsored\">Capital One SavorOne<\/a> cardholders earn 8% cash back on <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/capital-one-entertainment\/\" rel=\"noopener\">Capital One Entertainment<\/a>. This can be especially useful for concerts and sporting events, where prices are often similar to what you\u2019d find elsewhere, and it\u2019s even better when Capital One offers early or exclusive access to tickets.<\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>There are a few <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application rules<\/a> to keep in mind if you\u2019re considering the <a data-ccid=\"5048313\" href=\"\/blog\/link\/CR-CapitalOneSavorOne\" rel=\"noopener nofollow sponsored\">Capital One SavorOne<\/a>.<\/p>\n<p>First, Capital One limits how many of its credit cards you can hold at once. This is often reported as a cap of five cards, with additional limits within each card family like Venture, Savor, and Quicksilver, plus charge cards. However, Capital One doesn\u2019t publish an official maximum. Business cards also typically don\u2019t count toward these limits.<\/p>\n<p>You can also apply for only one Capital One card every six months. And because Capital One relies heavily on its own proprietary risk models, your application will usually be evaluated using credit reports from all three major bureaus.<\/p>\n<h2><span id=\"Cards_That_Complete_With_the_Capital_One_SavorOne\">Cards That Complete With the Capital One SavorOne<\/span><\/h2>\n<p>If you want to make a more informed decision about your next credit card, here are three great options that compete with the Capital One SavorOne:<\/p>\n<ul>\n<li><strong>If you\u2019re looking for a credit-building Capital One card with no annual fee,<\/strong> consider the <a data-ccid=\"3006155\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-platinum\/\">Capital One Platinum Credit Card<\/a>. It\u2019s designed to help people with fair credit build toward excellent credit without paying an annual fee, though it doesn\u2019t earn rewards. Learn more about the Capital One Platinum in <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-platinum\/\" rel=\"noopener\">our full review<\/a>.<\/li>\n<li><strong>If you\u2019re looking for a rewarding card with no annual fee,<\/strong> check out the <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a>. It earns 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Learn more about the Citi Double Cash in <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\" rel=\"noopener\">our full review<\/a>.<\/li>\n<li><strong>If you\u2019d rather earn Capital One miles instead of cash back,<\/strong> the <a data-ccid=\"3006150\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-one-card\/\">Capital One VentureOne Rewards Credit Card<\/a> offers 1.25X miles per dollar on every purchase, plus 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel \u2014 with no annual fee. Learn more about the Capital One VentureOne in <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-one-card\/\" rel=\"noopener\">our full review<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-capital-one\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/f2a508f9-6dbb-4662-95df-636df673468a.jpg\" width=\"150\" alt=\"Capital One Platinum Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Platinum Credit Card<\/div><div class=\"compare-offer\"><strong>Highlights<\/strong> This is card is a great way start building healthy credit for anyone with a limited credit history.<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"3006155\" class=\"btn-use qs-how-apply\" title='Capital One Platinum Credit Card' href=\"\/blog\/link\/CR-CapitalOnePlatinumCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--4\"><strong>Credit Score<\/strong><p>Average, Fair, Limited<\/p><\/div><\/div><div class=\"compare-earning\"><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Double Cash\u00ae Card' data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/650d711d-182b-4180-8b1d-4c31796da3cd.png\" width=\"150\" alt=\"Capital One VentureOne Rewards Credit Card\" class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One VentureOne Rewards Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\n20,000 Miles once you spend $500 on purchases within 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"3006150\" class=\"btn-use qs-how-apply\" title='Capital One VentureOne Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureOneRewardsCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>5 Miles per dollar on purchases through Capital One Entertainment<\/li>\r\n<li>1.25 Miles per dollar on every purchase, every day.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/0-apr-credit-cards-with-no-annual-fee\/\" rel=\"noopener\">The Best Credit Cards With No Annual Fee and 0% Introductory APR<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"5048313\" href=\"\/blog\/link\/CR-CapitalOneSavorOne\" rel=\"noopener nofollow sponsored\">Capital One SavorOne Cash Rewards Credit Card<\/a> is a decent option for people rebuilding their credit, but its $39 annual fee eats into much of the card\u2019s upside. To break even on that fee, you\u2019d need to spend at least $1,300 in the 3% bonus category. It's possible that might be a tall order for many people in this card\u2019s target market.<\/p>\n<p>There are also plenty of rewards cards with no annual fee. If you\u2019re focused on rebuilding or building your credit, keeping that cost at $0 is usually the way to go. You can always upgrade to a more lucrative rewards card once your credit improves.<\/p>\n<div class=\"qs-card\" data-id=\"5048313\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One SavorOne Cash Rewards Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/2aaaf8bb-bb20-4832-a007-75f5f0f343ca.png\" width=\"150\" alt=\"Capital One SavorOne Cash Rewards Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"5048313\" class=\"btn-use qs-how-apply\" title='Capital One SavorOne Cash Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneSavorOne\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Featured Offer:<\/strong> Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services with a $39 annual fee.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One SavorOne Cash Rewards Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Featured Offer:<\/strong> Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services with a $39 annual fee.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$39<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One SavorOne Cash Rewards Credit Card is a solid entry-level card for those who are working to establish a robust credit history. You'll get access to excellent earning rates on a variety of popular purchase categories for a modest $39 annual fee. Cardholders will be automatically considered for a higher credit line in as little as 6 months.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 8% cash back on Capital One Entertainment purchases<\/li>\r\n<li>Earn 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel<\/li>\r\n<li>Earn 3% cash back at grocery stores (excluding superstores like Walmart<sup>\u00ae<\/sup> and Target<sup>\u00ae<\/sup>)<\/li>\r\n<li>Earn 3% cash back on dining, entertainment, and popular streaming services<\/li>\r\n<li>Earn 1% cash back on all other eligible purchases<\/li>\r\n<ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SavorOne\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-17fe2c9156#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Capital One SavorOne Cash Rewards Credit Card is worth a look if you\u2019re rebuilding your credit and want to earn rewards along the way. For a $39 annual fee, you can earn up to 8% cash back on purchases. Here\u2019s our full review to help you decide if it\u2019s right for you.<\/p>\n","protected":false},"author":97,"featured_media":160443,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12787,12620,15021],"coauthors":[36469],"class_list":["post-241605","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-capital-one","tag-card-reviews","tag-credit-score"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/241605","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=241605"}],"version-history":[{"count":18,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/241605\/revisions"}],"predecessor-version":[{"id":244076,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/241605\/revisions\/244076"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/160443"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=241605"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=241605"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=241605"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=241605"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}