Capital One Savor Cash Rewards Credit Card
- Annual Fee
- $0
- cash back · Welcome Bonus
- $200
- Highest rate (conditional)
- Up to 8% (Capital One Entertainment)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $200 cash back
Spend: $500
Period: 3 months
Earning Rates
- 8%
Capital One Entertainment
8% cash back on Capital One Entertainment ticket purchases
- 5%
Car Rentals Capital One
Earn unlimited 5% cash back on rental cars booked through Capital One Travel
- 5%
Hotels Capital One
Earn unlimited 5% cash back on hotels booked through Capital One Travel
- 5%
Capital One Travel
Earn unlimited 5% cash back on vacation rentals booked through Capital One Travel
- 3%
Dining
3% cash back at restaurants
- 3%
Entertainment
3% cash back on entertainment purchases
- 3%
Grocery Stores
Earn unlimited 3% cash back at grocery stores
- 3%
Streaming
Earn unlimited 3% cash back on popular streaming services
- 1%
All Other
Earn unlimited 1% cash back on all other purchases
Benefits & Perks
Insurance & Protections
3 protectionsTravel accident insurance
secondary
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Extended warranty
secondary
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Credit monitoring
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Dining Out
3% cash back at restaurants
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Pros and Cons
Pros
- +No annual fee for a card with 3% back on dining and entertainment
- +3% cash back at restaurants on a card with no annual fee
- +3% on entertainment covers streaming, concerts, movies, and more
- +3% at grocery stores provides solid everyday value
- +8% back on Capital One Entertainment purchases is exceptional
- +Low $500 spend requirement for welcome bonus
- +No foreign transaction fees
Cons
- -Only 1% cash back on purchases outside bonus categories
- -No travel-specific benefits like lounge access or trip insurance
- -Cash back only - no transfer partners for travel redemptions
- -Grocery bonus typically excludes warehouse clubs like Costco
Who It's Best For
Best For
- Frequent diners who spend heavily at restaurants
- Entertainment enthusiasts who attend concerts, movies, and streaming services
- Grocery shoppers who want strong rewards on supermarket purchases
- Those who want high category rewards without paying an annual fee
Not Ideal For
- Travelers who want premium travel protections such as trip delay or primary rental car coverage
- People whose spending is primarily on gas, utilities, or non-bonus categories
- Those seeking travel transfer partners or airline/hotel points
- Business owners who need business expense tracking features
The Math: Is $0 Worth It?
First-year value includes $200 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 18.74%–28.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
Card Family
Savor family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Savorone | entry | $39 | |
| Capital One Savor Student | entry | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| CardRatings | — | CardRatings |
| CardRatings | — | CardRatings: Spend requirement |
| CardRatings | — | CardRatings: Bonus categories |
| RewardsCC API | — | RewardsCC API |
| Capital One | Capital One: Apr | |
| Capital One | Capital One: Apr | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Earn rates | |
| Capital One | Capital One | |
| Issuer Page | Issuer Page: Welcome offer | |
| Capital One | Capital One | |
| Capital One | Capital One: Earn rates |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
