Capital One SavorOne Rewards (Fair Credit)
$39 annual fee · 1% on everything else · no foreign transaction fees
Terms verified 2026-08-21 against issuer terms
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 3% 3.0¢ per $1 |
uncapped |
| Dining | 3% 3.0¢ per $1 |
uncapped |
| Entertainment | 3% 3.0¢ per $1 |
uncapped |
| Streaming | 3% 3.0¢ per $1 |
uncapped |
| Everything else | 1% 1.0¢ per $1 |
uncapped |
Non-cash perks
- Automatic credit line reviews in as little as 6 months
- CreditWise free credit monitoring
- $0 fraud liability
- Tap-to-pay contactless
Does the fee earn out? · how we got this
The $39 fee minus $0 in printed credits leaves $39/yr to earn back through rewards — roughly $1,300 of groceries spending at 3%. Whether that clears depends on your actual spending.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
Don't want the fee any more?
Capital One SavorOne Rewards (Fair Credit) can normally be product-changed to one lower-fee card in the Capital One Savor family instead of being closed — which keeps the account, its age and its credit line.
What does Capital One SavorOne Rewards (Fair Credit) downgrade to? →
More from Capital One
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.capitalone.com. Spot an error? Tell us.