If you are looking for the “Capital One SavorOne” in late 2025, stop. You are about to walk into a trap. In a move that only a bank marketing department could invent, Capital One has completely swapped the names of its dining cards. The legendary “SavorOne”—the no-annual-fee hero we all loved—is now just the Capital One Savor Cash Rewards Credit Card.
Meanwhile, the name “SavorOne” has been slapped onto a new card for “fair credit” that charges a $39 annual fee and offers zero welcome bonus. It is a bad deal. Do not apply for it by mistake.
In this review, I am analyzing the no-annual-fee Savor card (formerly the good SavorOne). Despite the confusing rebrand and the tragic death of the Uber partnership, this card remains the undisputed king of no-fee foodie spend. Here is the math behind why it belongs in your wallet.
The Rebrand Chaos: Don’t Get Tricked
Before we crunch the numbers, I need to ensure you apply for the right product. In 2025, Capital One reshuffled the deck.
⚠️ Critical Warning
Do NOT apply for the “SavorOne Rewards for Good Credit” ($39 AF).
You want the Capital One Savor Cash Rewards. It has a $0 annual fee and a $200 bonus. The names are nearly identical, but the difference is $239 in your pocket ($200 bonus + $39 saved fee) in the first year alone.
The “Foodie” Value Proposition: Running the Math
Marketing screams “3% back,” but let’s look at what that actually means for your bottom line. Most “travel hackers” ignore cash back cards, but the Savor is a foundational piece of the beginner credit card setup because it covers the two highest spend categories for most Americans: food and fun.
The 3% Trifecta
Unlike the Chase Freedom Flex, which rotates categories, or the Amex Gold, which charges a $325 annual fee, the Savor offers uncapped 3% on:
- Dining: Includes fast food, fine dining, Starbucks, and bars.
- Groceries: The “Superstore Exclusion” applies here. You get 1% at Walmart and Target. You get 3% at Kroger, Whole Foods, Trader Joe’s, and your local butcher.
- Entertainment: This is the sleeper hit. It covers movie theaters, bowling alleys, zoos, and major sporting events.
The ROI Calculation
Let’s assume a moderate monthly spend for a single young professional or a couple:
| Category | Monthly Spend | Savor Earnings (3%) | Standard Card (1.5%) |
|---|---|---|---|
| Dining & Bars | $600 | $216/yr | $108/yr |
| Groceries | $500 | $180/yr | $90/yr |
| Entertainment | $200 | $72/yr | $36/yr |
| Streaming | $50 | $18/yr | $9/yr |
| TOTAL | $1,350/mo | $486/yr | $243/yr |
The Verdict: You earn an extra $243 per year just by using the right plastic. This is a 3.0% guaranteed return on spend with zero annual fee risk. If you are asking are dining reward programs worth it, the answer is yes—especially when you stack them with this card.
The Secret Weapon: Turning Cash Into Miles
Here is where we leave the “novice” territory and enter “expert” mode. On its own, the Savor earns cash back. One cent is one cent. Boring.
However, if you also hold a mile-earning card like the Capital One Venture X or Venture Rewards, you can “move” your cash back to your miles account.
The Math of the Transfer:
$100 Cash Back = 10,000 Capital One Miles.
Why do this? Because I value Capital One miles at roughly 1.85 cents each when redeemed for international business class flights.
- Cash Value: $100 earned from dining.
- Miles Value: 10,000 Miles. Transferred to Avianca LifeMiles, this could be enough for a short-haul United flight that would cash price at $250. Or, pool 80,000 miles for a Business Class ticket to Europe worth $4,000.
This effectively turns the Savor into a card that earns 3x Miles on Dining and Grocery. That outperforms the Venture X (2x) on those categories. This “Savor + Venture X” duo is arguably the most powerful two-card setup in 2025, rivaling the “Chase Trifecta” for simplicity and value. For a deeper understanding of how these points work, check my guide on travel points explained in 10 minutes.
The Uber Devaluation: A Moment of Silence
We have to address the elephant in the room. For years, this card was famous for offering 10% cash back on Uber and a free Uber One membership. That partnership officially ended on November 14, 2024.
If you are reading old reviews from 2024, ignore them. You now earn just 1% on Uber rides with this card.
Alternative Strategy: If you are a heavy rideshare user, you should now be looking at the Chase Sapphire Reserve (10x on Lyft) or simply buying Uber gift cards at office supply stores with a Chase Ink Cash (5x points).
Savor vs. The Competition
How does the no-fee Savor stack up against the heavy hitters in 2025?
1. Savor vs. Amex Gold
The Amex Gold is the heavy favorite for foodies, earning 4x on Dining and Groceries. But it costs $325 per year.
- Amex Gold: 4x points. To break even on the $325 fee (assuming you don’t use the credits), you need to spend $8,125 on food just to get back to zero.
- Savor: 3% back (or 3x miles). $0 fee. You are profitable from dollar one.
Winner: Savor is better for anyone spending less than $800/month on food, or anyone who hates tracking monthly “dining credits” to justify an annual fee.
2. Savor vs. Chase Freedom Flex
The Freedom Flex earns 3x on Dining but only 1x on Groceries (unless it’s a rotating quarterly category). The Savor wins on consistency. You don’t have to activate categories or wonder if “Grocery” is live this quarter.
The “Foreign Transaction” Edge
Most no-annual-fee cash back cards (like the Citi Double Cash or Chase Freedom Unlimited) charge a 3% fee when you use them abroad.
The Savor charges 0%.
[PERSONAL_EXPERIENCE: I recently spent two weeks in London. While my friends were terrified of using their debit cards, I used the Savor for every pub meal and tube ride. On a $2,000 trip spend, saving that 3% fee kept $60 in my pocket—literally the cost of a decent meal.]
If you are traveling, this is an excellent backup card to a Visa Infinite or Mastercard World Elite. You can even use it to pay for data plans like GigSky eSIMs without incurring extra currency conversion fees.
Final Verdict: Who Is This For?
The Capital One Savor (No Fee) is the best “set it and forget it” card for anyone who eats food. It requires no thinking, has no fees, and unlocks the transferable miles game if you decide to level up later.
This Card Is For You If:
- You spend significantly on dining, groceries, and streaming.
- You refuse to pay annual fees.
- You travel internationally and need a “Safe” card with no FX fees.
- You already have a Venture X and want to boost your point earning.
Pass On This Card If:
- You shop exclusively at Walmart or Target (you’ll only earn 1%).
- You are looking for the “New SavorOne” with the $39 fee (Don’t do it!).
- You spend over $25,000/year on food (The Amex Gold math might work better for you).
Just remember the golden rule of 2025: Check the name. If it says “SavorOne” and asks for $39, run away. If it says “Savor” and asks for $0, welcome to the club.
Frequently Asked Questions
Is the Uber 10% cash back offer still active in 2025?
No. The partnership between Capital One and Uber ended on November 14, 2024. The Savor card now earns the standard 1% on Uber and Uber Eats purchases, and no longer offers a free Uber One membership.
Does the Savor card work at Walmart or Target?
Technically yes, but only for 1% cash back. Capital One classifies Walmart and Target as “Superstores,” not grocery stores. To earn the 3% grocery rate, you must shop at dedicated supermarkets like Kroger, Publix, Whole Foods, or Trader Joe’s.
Can I transfer Savor cash back to airline miles?
Yes, but only if you also hold a Capital One Venture or Venture X card. You can move your cash back to your Venture account at a rate of 1 cent = 1 mile. From there, you can transfer to partners like British Airways, Turkish Airlines, and Avianca.
