Capital One® SavorOne® Cash Rewards Credit Card

Capital One Savor One
$150 Cash Back
One time bonus: $150 after $500 spend in 3 months from account opening
Click Here to Apply

No Annual Fee

FM Mini Review: The combination of 3% cash back on dining and no foreign transaction fees would be attractive for a no annual fee card, but the Barclaycard Uber card eclipses this one by offering 4% cash back for dining.

Card Type: Mastercard


Earning rate: ⚬ 3% on dining ⚬ 2% on purchases at grocery stores ⚬ 1% everywhere else

Noteworthy perks: No foreign transaction fees


This is a decent rewards credit card for those who want cash back and simplicity in earning structure. It earns 3% back on dining and 2% back on groceries with no annual fee and no rotating categories.

The main advantage of this card over a no-fee 2% cash back card is that this one offers a decent welcome offer and a greater return on dining. If you eat out often and you want to earn a little extra cash back on your dining and grocery spend, the Savor card might do the trick.

Overall, this is an good choice both for its intro offer, but its rewards have been eclipsed by the Barclaycard Uber Card which offers 4% cash back for dining.

Application Tips

Capital One Application Tips

  • 6 month rule: Must wait 6 months after applying for a Capital One card before applying for another one.

  • 2 card limit: Conventional wisdom and user experience has been that you can have at most 2 Capital One consumer cards, but according to application terms it may be possible to have up to 5. You may be limited to 2 of their rewards cards. Note that this limit does not apply to Capital One co-branded cards like the Kohl's charge card.

  • Get Same Card Again: There is no known rule against getting the same card and bonus again even if you still have the card open.

  • Hard inquiries usually get issued through all 3 credit bureaus

To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866