CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
$0
Annual Fee
8X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Poor to Excellent
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Details & Terms
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Savor family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Savor | entry | $0 | |
| Capital One Savorone | entry | $0 |
Product changes available between family members without a new credit inquiry.
Reviews & Analysis
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$0
Annual Fee
8X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Poor to Excellent
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Details & Terms
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Savor family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Savor | entry | $0 | |
| Capital One Savorone | entry | $0 |
Product changes available between family members without a new credit inquiry.
Reviews & Analysis
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$0
Annual Fee
8X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Poor to Excellent
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Details & Terms
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Savor family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Capital One Savor | entry | $0 | |
| Capital One Savorone | entry | $0 |
Product changes available between family members without a new credit inquiry.
Reviews & Analysis
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
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
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
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
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.