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$0
Annual Fee
8X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Capital One Entertainment | 8X | Core | portal | None | |
| Car Rentals Capital One | 5X | Core | portal | None | |
| Hotels Capital One | 5X | Core | portal | None | |
| Dining | 4X | Core | any | None | |
| Entertainment | 4X | Core | any | None | |
| Grocery Stores | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None |
Benefits & Perks
Program & Transfers
Reviews & Analysis
This card is only marginally better than its lower-tier counterpart, and we don’t recommend it. Although it features a minimal sign-up bonus and no annual fee, it doesn’t offer many benefits beyond that.
The Capital One Savor card is a slight upgrade from the VentureOne Rewards card, but we still don’t recommend ever applying for it. The sign-up bonus is just $200 (or 20,000 miles). Although you can earn 3% cash back on grocery store and dining purchases and there is no annual fee, the card doesn’t offer many benefits beyond its modest sign-up bonus.
Using a 5/24 spot on the Capital One Savor card might not be wise if you plan on collecting points and miles for a while. Yes, you do get $200 back after you sign up and spend $500 in the first three months. You’ll also earn 3% cash back on groceries and dining. However, there are many cards with more valuable offers. Even though this card has no annual fee, there are other no-fee cards (from both Capital One and other banks) that have better offers. If you want a Capital One card, the Venture Rewards or Venture X are significantly better — even though they both have annual fees.
Details & Terms
| Purchase APR | 17.49%–28.24% (Variable) |
| Cash Advance APR | 26.99% (Variable) |
| Foreign Transaction Fee | $0 |
Savor family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Savorone | entry | $0 | |
| Capital One Savor Student | entry | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
$0
Annual Fee
8X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Capital One Entertainment | 8X | Core | portal | None | |
| Car Rentals Capital One | 5X | Core | portal | None | |
| Hotels Capital One | 5X | Core | portal | None | |
| Dining | 4X | Core | any | None | |
| Entertainment | 4X | Core | any | None | |
| Grocery Stores | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None |
Benefits & Perks
Program & Transfers
Reviews & Analysis
This card is only marginally better than its lower-tier counterpart, and we don’t recommend it. Although it features a minimal sign-up bonus and no annual fee, it doesn’t offer many benefits beyond that.
The Capital One Savor card is a slight upgrade from the VentureOne Rewards card, but we still don’t recommend ever applying for it. The sign-up bonus is just $200 (or 20,000 miles). Although you can earn 3% cash back on grocery store and dining purchases and there is no annual fee, the card doesn’t offer many benefits beyond its modest sign-up bonus.
Using a 5/24 spot on the Capital One Savor card might not be wise if you plan on collecting points and miles for a while. Yes, you do get $200 back after you sign up and spend $500 in the first three months. You’ll also earn 3% cash back on groceries and dining. However, there are many cards with more valuable offers. Even though this card has no annual fee, there are other no-fee cards (from both Capital One and other banks) that have better offers. If you want a Capital One card, the Venture Rewards or Venture X are significantly better — even though they both have annual fees.
Details & Terms
| Purchase APR | 17.49%–28.24% (Variable) |
| Cash Advance APR | 26.99% (Variable) |
| Foreign Transaction Fee | $0 |
Savor family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Savorone | entry | $0 | |
| Capital One Savor Student | entry | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
$0
Annual Fee
8X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Capital One Entertainment | 8X | Core | portal | None | |
| Car Rentals Capital One | 5X | Core | portal | None | |
| Hotels Capital One | 5X | Core | portal | None | |
| Dining | 4X | Core | any | None | |
| Entertainment | 4X | Core | any | None | |
| Grocery Stores | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None |
Benefits & Perks
Program & Transfers
Reviews & Analysis
This card is only marginally better than its lower-tier counterpart, and we don’t recommend it. Although it features a minimal sign-up bonus and no annual fee, it doesn’t offer many benefits beyond that.
The Capital One Savor card is a slight upgrade from the VentureOne Rewards card, but we still don’t recommend ever applying for it. The sign-up bonus is just $200 (or 20,000 miles). Although you can earn 3% cash back on grocery store and dining purchases and there is no annual fee, the card doesn’t offer many benefits beyond its modest sign-up bonus.
Using a 5/24 spot on the Capital One Savor card might not be wise if you plan on collecting points and miles for a while. Yes, you do get $200 back after you sign up and spend $500 in the first three months. You’ll also earn 3% cash back on groceries and dining. However, there are many cards with more valuable offers. Even though this card has no annual fee, there are other no-fee cards (from both Capital One and other banks) that have better offers. If you want a Capital One card, the Venture Rewards or Venture X are significantly better — even though they both have annual fees.
Details & Terms
| Purchase APR | 17.49%–28.24% (Variable) |
| Cash Advance APR | 26.99% (Variable) |
| Foreign Transaction Fee | $0 |
Savor family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Savorone | entry | $0 | |
| Capital One Savor Student | entry | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Up to
$239.76
in annual credits
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$240 Uber One (24 months)
$239.76
Annual
Get complimentary Uber One membership ($9.99/month) for up to 24 months via statement credits. Includes $0 delivery fees and ride discounts.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
This card doesn’t offer nearly as much as other cards, including other Capital One cards with annual fees and no-fee cards from other banks.
Both the Capital One Savor and VentureOne cards are introductory options from Capital One. Neither card has an annual fee, but both offer very small 20,000-point/$200 cash back sign-up bonuses and no extra benefits besides modest points multipliers. By contrast, the Capital One Venture Rewards and Venture X cards have annual fees — $95 and $395 respectively — but each offers a 75,000-mile sign-up bonus as well as perks and benefits that can make the fee worthwhile. If you’re going to choose a Capital One card, don’t waste a 5/24 spot on the Savor or VentureOne. Instead, learn more about the two Venture cards and decide which one suits your needs best.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$143.86
Annual Fee
-$0
Net Annual Value
+$143.86
Up to
$239.76
in annual credits
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$240 Uber One (24 months)
$239.76
Annual
Get complimentary Uber One membership ($9.99/month) for up to 24 months via statement credits. Includes $0 delivery fees and ride discounts.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
This card doesn’t offer nearly as much as other cards, including other Capital One cards with annual fees and no-fee cards from other banks.
Both the Capital One Savor and VentureOne cards are introductory options from Capital One. Neither card has an annual fee, but both offer very small 20,000-point/$200 cash back sign-up bonuses and no extra benefits besides modest points multipliers. By contrast, the Capital One Venture Rewards and Venture X cards have annual fees — $95 and $395 respectively — but each offers a 75,000-mile sign-up bonus as well as perks and benefits that can make the fee worthwhile. If you’re going to choose a Capital One card, don’t waste a 5/24 spot on the Savor or VentureOne. Instead, learn more about the two Venture cards and decide which one suits your needs best.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$143.86
Annual Fee
-$0
Net Annual Value
+$143.86
Up to
$239.76
in annual credits
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$240 Uber One (24 months)
$239.76
Annual
Get complimentary Uber One membership ($9.99/month) for up to 24 months via statement credits. Includes $0 delivery fees and ride discounts.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
This card doesn’t offer nearly as much as other cards, including other Capital One cards with annual fees and no-fee cards from other banks.
Both the Capital One Savor and VentureOne cards are introductory options from Capital One. Neither card has an annual fee, but both offer very small 20,000-point/$200 cash back sign-up bonuses and no extra benefits besides modest points multipliers. By contrast, the Capital One Venture Rewards and Venture X cards have annual fees — $95 and $395 respectively — but each offers a 75,000-mile sign-up bonus as well as perks and benefits that can make the fee worthwhile. If you’re going to choose a Capital One card, don’t waste a 5/24 spot on the Savor or VentureOne. Instead, learn more about the two Venture cards and decide which one suits your needs best.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$143.86
Annual Fee
-$0
Net Annual Value
+$143.86
