Card economics
Capital One SavorOne for Fair Credit
Capital One has been issuing select new credit card accounts on the Discover network since March 2026, so a new SavorOne account may be Mastercard or Discover. The network shown is display only and does not change the modeled earn rates.
Annual fee
$39/yr
Foreign transaction fee
None
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Capital One Entertainment | 8% |
| Capital One Travel - Hotels | 5%Portal only |
| Capital One Travel - Rental Cars | 5%Portal only |
| Capital One Travel - Vacation Rentals | 5%Portal only |
| Capital One Travel - Activities | 5%Portal only |
| Dining | 3% |
| Groceries — in store | 3% |
| Groceries — online | 3% |
| Streaming | 3% |
| Entertainment (excludes movies, live events, Capital One Entertainment) | 3% |
| Everything else | 1%Base rate |
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$39/yr
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Capital One SavorOne for Fair Credit might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.