capital one

CAPITAL ONE SAVORONE

visa

Capital One

Capital One SavorOne

No annual fee · 20,000 point signup bonus · dining & entertainment no AF, grocery card, Capital One ecosystem starter

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Quick Stats

Annual Fee

Signup Bonus

20,000 pts

Spend Requirement

$500 in 3mo

Foreign Transaction Fee

None

Credit Score

good

Currency

Earning Rates

brand portal5x

dining3x

entertainment3x

streaming3x

groceries3x

gas1x

other1x

Travel portal value

Worth 1¢ per point when booking through Capital One's travel portal

1¢/pt

Transfer Partners

Capital One Miles

Airlines

Air Canada Aeroplan

AC·Star Alliance

1:1

instant

Turkish Miles&Smiles

TK·Star Alliance

1:1

instant

British Airways Avios

BA·oneworld

1:1

instant

Air France/KLM Flying Blue

AF·SkyTeam

1:1

instant

Emirates Skywards

1:1

instant

Singapore KrisFlyer

SQ·Star Alliance

1:1

12-24 hours

Avianca LifeMiles

AV·Star Alliance

1:1

instant

Cathay Pacific Asia Miles

CX·oneworld

1:1

instant

Qantas Frequent Flyer

QF·oneworld

1:1

instant

Virgin Atlantic Flying Club

VS·SkyTeam

1:1

instant

Finnair Plus

AY·oneworld

1:1

instant

TAP Miles&Go

TP·Star Alliance

1:1

instant

Etihad Guest

1:1

instant

Hotels

Accor Live Limitless

1:1

instant

Wyndham Rewards

1:1

instant

Perks & Benefits

3x on dining, entertainment, streaming, groceries
5x on hotels/car rentals via portal
No annual fee
Transferable to C1 partners (with Venture/Venture X)

The Verdict

4/5

ByEllis Church·Mar 11, 2026

The no-fee card that covers dining, groceries, entertainment, and streaming — all at 3x.

The SavorOne is a top-tier no-fee card that earns 3x on the categories that matter most for everyday life. It's the perfect companion to a Venture X — you earn 3x on food and fun, 2x on everything else, and funnel all points into the same transferable pool. Even standalone, 3% back on dining and groceries beats most cash back cards. If you're building a Capital One setup, start here.

Pros

3x on dining, entertainment, streaming, AND groceries covers four major spending categories for $0/year
No annual fee makes it a pure value add to any wallet
Points transfer to Capital One partners when paired with a Venture or Venture X
No foreign transaction fee is unusual for a no-fee card — great for international dining
5x on hotels and car rentals through the Capital One portal

Cons

Only 1x on gas and general purchases — you'll want a companion card for non-bonus spending
Standalone value is limited — points are worth just 1 cent each without a Venture card to unlock transfers
Signup bonus is modest (20K points = $200)
No travel protections (trip delay, rental car insurance) that come with fee-bearing cards