Capital One Savorone Cash Review 2026
Savorone Cash is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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Your card estimate
Net first-year value
First year
+$261
Rewards + bonus - fee - interest drag
Ongoing year
+$261
Excludes one-time welcome offer
SwitchWize take
Cash-back optimizer
Bonus value
See terms
Everyday rewards
1% cash back
Up to 5% in some categories
Annual fee
$39
APR
29.24%
Quick summary
What this card is, in plain words
Savorone Cash has a $39 annual fee and a variable purchase APR of 29.24%. It earns 1% cash back on everything else, and more on 7 categories (the highest is 5% cash back on hotels). It charges no foreign transaction fee.
What to consider
- The $39 annual fee is charged every year, so the rewards have to be worth more than that.
- The APR is 29.24% and it can change. Interest on a carried balance is usually larger than the rewards.
Pros & cons
No standout advantages in the data we track.
- Annual fee: $39
- High regular APR (29.24%)
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $39
- Foreign transaction fee
- None
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Hotels
5% cash back
Travel
5% cash back
Groceries
3% cash back
Streaming
3% cash back
Dining
3% cash back
Entertainment
3% cash back
Grocery stores
3% cash back
Everything else
1% cash back
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- $0 Fraud Liability (cardmember year)
- Extended Warranty (cardmember year)
- Fraud Liability Coverage (cardmember year)
- Travel Accident Insurance (cardmember year)
- Travel Price Protection (per trip)
Perks and credits
- Capital One Café Beverage Discount (cardmember year)
- Capital One Entertainment Cash Back (cardmember year)
- Capital One Travel Cash Back (cardmember year)
- Concierge Service (cardmember year)
- Free Credit Monitoring (cardmember year)
- No Foreign Transaction Fees (cardmember year)
- Tap-to-Pay Contactless Card
Offer history
How today's bonus compares
Welcome offer needs verification
See terms
Observed Recently
12-month best
See terms
0 tracked observations
Signal
At or near tracked best
Last history update Recently
Terms history
Has the fee or APR changed?
Since tracking began (Jun 21, 2026), annual fee increased from $0 to $39; APR range moved from 19.99%–29.99% to 29.24%–29.24%. Tracked since Jun 21, 2026 across 10 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Full change history (2 changes tracked) →
- Oct 17, 2026 — APR range moved from 28.99%–28.99% to 29.24%–29.24%.
- Aug 23, 2026 — annual fee increased from $0 to $39; APR range moved from 19.99%–29.99% to 28.99%–28.99%.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$39 annual fee
29.24% variable
Verify spend requirement
Capital One terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $39 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
- Not published by the issuer on its card page.
- How many cards you can open
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the Savorone Cash?
The Savorone Cash has a $39 annual fee, according to Capital One's page checked Nov 5, 2026.
Does the Savorone Cash charge foreign transaction fees?
No. Capital One lists no foreign transaction fee for the Savorone Cash.
How do I earn rewards with the Savorone Cash?
5% cash back on hotels; 5% cash back on travel; 3% cash back on groceries; 3% cash back on streaming; 3% cash back on dining.
What is the APR on the Savorone Cash?
The purchase APR is 29.24%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR, Earning rates, Benefits and protections
https://www.capitalone.com/credit-cards/savorone/ · checked Nov 5, 2026
Earning rates
https://www.capitalone.com/credit-cards/ · checked Jun 21, 2026
We could not verify the balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Savorone Cash worth it?
Savorone Cash is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term