Capital One SavorOne
Capital One, Mastercard, $39 annual fee. Earns cash back.
Rates checked against the issuer 2026-09. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $478, or $439 after the fee.
- Weighing it up against: Savor.
Is the annual fee worth it?
It earns about $478 a year on the illustrative household's spending, which is $439 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $619 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery, Entertainment, Streaming, Groceries | 3% | Groceries exclude superstores like Walmart and Target |
| Everything else | 1% |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $180 |
| Restaurants & Bars | $108 |
| Everything Else | $60 |
| Gas Stations | $18 |
| Online Shopping | $18 |
| Entertainment | $18 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- No foreign transaction fees
- Same rates as the no-fee Savor, for fair credit — no welcome bonus and no intro APR
Similar cards
- Capital One QuicksilverOne — annual fee $39 a year
- Robinhood Gold Card — annual fee $50 a year
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Connect — annual fee none
- Every cash back card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.