SavorOne Cash Rewards
Capital One$39 a yearDiscoverNo foreign transaction feeIssuer's page
Already have it? Keep it.
No current offer
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Grocery storesexcluding superstores like Walmart and Target | 3% (4.3%) |
| 3X | Dining | 3% (4.3%) |
| 5X | Hotels booked through Capital One Travel | 5% (7.2%) |
| 3–8X | Entertainment8X through the issuer's portal, 3X elsewhere | 3–8% (4.3–11.6%) |
| 1X | Everything else | 1% (1.4%) |
+ 3 more rates
| Rate | Category | Return |
|---|---|---|
| 3X | Select streaming services | 3% (4.3%) |
| 5X | Rental cars booked through Capital One Travel | 5% (7.2%) |
| 5X | Vacation rentals booked through Capital One Travel | 5% (7.2%) |
Personal card · Earns Capital One Miles
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Protections (10)
- Travel Accident Insurance, up to $1,000,000, Up to $1,000,000 against accidental loss of life, limb, sight, speech, or hearing while riding as a passenger on a licensed common carrier, when the fare is charged to the card.
- Baggage Delay Insurance, up to $300, Up to $100 per day for a maximum of 3 days ($300 total) for essential items when checked baggage is delayed more than 4 hours.
- Trip Cancellation/Interruption Insurance, up to $1,500, Up to $1,500 per insured person for non-refundable common carrier tickets charged to the card.
- Lost Luggage Reimbursement, up to $3,000, Up to $3,000 per trip for checked or carry-on baggage lost, stolen, or misdirected by the common carrier ($2,000 per bag for New York residents).
- Travel and Emergency Assistance, 24/7 referral assistance for medical, legal, and travel emergencies while away from home. Cardholder is responsible for the cost of services used.
- Purchase Protection, up to $1,000, Covers damage or theft of eligible new purchases for 90 days, up to $1,000 per claim and $25,000 per 12 months.
- Extended Warranty, Doubles the manufacturer's warranty by up to 12 additional months, for original warranties of 2 years or less. Max $10,000 per claim and $50,000 per cardholder.
- Price Protection, up to $250, Reimburses the difference if an identical item is advertised for less within 120 days of purchase, up to $250 per item and $1,000 per year.
- Auto Rental Collision Damage Waiver (secondary), Reimburses theft or collision damage up to the actual cash value of most rented cars, for rental periods up to 31 consecutive days. Secondary in your country of residence; primary when renting abroad.
- Identity Theft Protection, up to $1,000, Personal Identity Theft coverage up to $1,000 for covered expenses, plus Comprehensive Identity Solutions monitoring and restoration support (enrollment required).
Other Perks
- 24/7 Concierge Services for travel, dining, and event assistance
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to trueOct 11, 2026
- changed from null to SavorOne CashOct 8, 2026
- changed from null to Status: unknown; Sign up bonus snapshot: nullOct 4, 2026
- changed from null to cash_backSep 30, 2026
- changed from Capital One SavorOne; SavorOne Card; SavorOne; Cap One SavorOne to Capital One SavorOne; SavorOne Card; SavorOne; Cap One SavorOne; SavorOne RewardsSep 27, 2026
- changed from Capital One Venture Rewards Credit Card; Capital One Venture X Rewards Credit Card; Capital One VentureOne Rewards Credit Card; Capital One Spark Miles for Business; Capital One Spark Miles Select for Business; Capital One Venture X Business Card to Capital One Venture Rewards Credit Card; Capital One Venture X Rewards Credit Card; Capital One VentureOne Rewards Credit Card; Capital One Venture Business; Capital One VentureOne Business; Capital One Venture X Business Card; Capital One Spark Miles for BusinessSep 16, 2026
- changed from Pair with a Venture or Spark Miles card to convert cash back to transferable miles. to Pair with a Venture, VentureOne, or Spark Miles card to convert cash back to transferable miles.Sep 16, 2026
- changed from Mastercard to DiscoverAug 25, 2026
- changed from Mastercard to DiscoverAug 25, 2026
- changed from null to From network: Mastercard; To network: Discover; New accounts from: 2026-02-01; Existing accounts: reissueAug 25, 2026