Card economics
Capital One SavorOne for Fair Credit
Capital OneMastercardCash BackGood credit
Annual fee
$39/yr
View issuer offer
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Earn rates
| Category | Rate |
|---|---|
| Dining | 3% |
| Groceries - In-Store | 3% |
| Groceries - Online | 3% |
| Streaming | 3% |
| Entertainment | 3% |
| Everything else | 1%Base rate |
Fee calculator
Sticker Fee
$39/yr
Card terms verified Jul 20, 2026 against official issuer sources.
Next step
One card is a start. The optimal setup is the whole wallet.
The Capital One SavorOne for Fair Credit might be great on its own, but the best combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal or is the best setup found within the time limit.
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