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Many people choose to spend the “fun” part of their budget on eating out and going to shows, concerts or sporting events. And because it’s often more convenient to pay by credit card when you’re dining out or ordering tickets, it might make sense to explore cards that reward you with cash back for these purchases.
There are a variety of rewards credit cards that cater to a certain lifestyle and spending habits, including those specifically geared toward foodies and entertainment seekers. If you’re among that group, the Capital One SavorOne Cash Rewards Credit Card may be a great choice.
We’ll break down the card’s best benefits and some potential drawbacks, as well as compare it to a similar card to help you decide if it’s the best match for your needs.
Intro Purchase APR
0% intro on purchases for 15 months
Regular Purchase APR
16.49% - 26.49% (Variable)
Intro BT APR
0% intro on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months)
Regular BT APR
16.49% - 26.49% (Variable)
Annual Fee
$0
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
Balance Transfer Fee
3%
Annual fee
The Capital One SavorOne Cash Rewards Credit Card charges a $0 annual fee.
Generous sign-up bonus
New cardholders can earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Intro APR periods on purchases and balance transfers
The Capital One SavorOne Cash Rewards Credit Card offers a 0% intro on purchases for 15 months, after which an APR of 16.49% - 26.49% (variable) will apply.
There’s also an APR of 0% intro on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months). After, a 16.49% - 26.49% (variable) APR applies.
Solid cashback rewards rate on dining and entertainment
If you’re looking to offset dining and entertainment purchases, the Capital One SavorOne Cash Rewards Credit Card offers a good cashback rate on those purchases: 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.
Foreign transaction fee
When traveling abroad, you can rest assured your purchases won’t incur any foreign transaction fees since the card charges none.
Potentially high APR
The Capital One SavorOne Cash Rewards Credit Card offers an APR range of 16.49% - 26.49% (variable). While not unusual for a rewards card, be sure to avoid carrying a balance after the intro APR period expires.
Limited spending categories for higher cashback rate
If you realize that you actually spread your spending around on a lot of different categories but still want to earn cash back, it could make more sense to choose a card with a flat 2% rate on all purchases rather than one that is focused on just a few spending categories.
Grocery store category exclusions
If you tend to make a lot of grocery purchases at superstores like Target or Walmart, those purchases will not qualify for the higher grocery store cashback rate.
If you’re looking for a higher rewards rate for dining out, the U.S. Bank Altitude® Go Visa Signature® Card ($0 annual fee) offers a slightly higher cashback rate: Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases.
The Capital One SavorOne Cash Rewards Credit Card has the edge on entertainment, though, if the bulk of your spending is on tickets and events. Plus, the required minimum spend for a similar sign-up bonus is lower with Capital One SavorOne Cash Rewards Credit Card than the U.S. Bank Altitude® Go Visa Signature® Card. With the U.S. Bank Altitude® Go Visa Signature® Card, cardholders earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. (That’s worth about $200.)
Plus, if you use the U.S. Bank Altitude® Go Visa Signature® Card to pay for annual streaming subscriptions, you’ll earn cash back on those expenses, plus a $15 streaming service credit after 11 months of streaming service purchases.
The U.S. Bank Altitude® Go Visa Signature® Card also offers an intro purchase rate of 0% for 12 billing cycles on purchases, after which an APR of 17.24% - 26.24% (variable) will apply. On balance transfers, there’s an APR of 0% for 12 billing cycles on balance transfers. A 17.24% - 26.24% (variable) APR applies after. The balance transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater.
It all comes down to purchase habits. If you tend to spend more on takeout, food delivery and dining than you do on entertainment, the U.S. Bank Altitude® Go Visa Signature® Card’s elevated cashback rate makes more sense.
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| Capital One SavorOne Cash Rewards Credit Card | U.S. Bank Altitude® Go Visa Signature® Card | Capital One® Savor® Cash Rewards Credit Card | Wells Fargo Propel American Express® card |
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Apply Now on U.S. Bank's secure site
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| Welcome Offer | |||
| Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening | Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. | Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening | Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value |
| Rewards Rate | |||
| 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats | Earn 4X points on dining, takeout, and restaurant delivery, 2X points at grocery stores, grocery delivery, gas stations, EV charging stations and on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! And earn 1X points on all other eligible purchases. | Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. | Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases. |
| Annual Fee | |||
| $0 | $0 | $95 | $0 |
| Intro Purchase APR | |||
| 0% intro on purchases for 15 months | 0% for 12 billing cycles on purchases | N/A | 0% intro APR for 12 months from account opening |
| Regular APR | |||
| 16.49% - 26.49% (Variable) | 17.24% - 26.24% (Variable) | 17.49%, 22.49% or 25.49% variable APR | 14.49%-24.99% (Variable) |
| Intro Balance Transfer APR | |||
| 0% intro on balance transfers for 15 months (3% fee on the amounts transferred within the first 15 months) | 0% for 12 billing cycles on balance transfers | N/A | 0% intro APR for 12 months on qualifying balance transfers |
| Regular Balance Transfer APR | |||
| 16.49% - 26.49% (Variable) | 17.24% - 26.24% (Variable) | 17.49%, 22.49% or 25.49% variable APR | 14.49%-24.99% (Variable) |
| Balance Transfer Fee | |||
| 3% | Either 3% of the amount of each transfer or $5 minimum, whichever is greater. | $0 | 3% intro for 120 days from account opening, then up to 5% |
| Recommended Credit | |||
| Excellent/Good | Excellent/Good | Excellent/Good | Excellent/Good |
| Card Details | |||
| Capital One SavorOne Cash Rewards for Good Credit | U.S. Bank Altitude® Go Visa Signature® Card | Capital One® Savor® Cash Rewards Credit Card | Additional card details unavailable |
If your idea of a good time is dinner and a show, and you do that frequently, the Capital One SavorOne Cash Rewards Credit Card would make a great cash back rewards card to have in your wallet. Not only will you earn a better cashback rate on the things you enjoy spending money on the most, but it’s simple to manage and rewards are easy to redeem.
However, if attending concerts, sports events or other types of entertainment aren’t high on your list, then you’d most likely be better off with a card that offers a more generous cashback rate on the types of purchases you spend on more, such as grocery stores, gas or streaming services.
