Capital One Savor

Earning Rates

Key Benefits

• 3% dining + entertainment
• 3% grocery + streaming
• No annual fee
• No foreign tx fees

All Benefits

• Welcome offer: one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening (per Capital One's product page; this is the current public new-cardmember offer for the no-annual-fee Savor Cash Rewards as of 2026-05-23 and is lower than the $250 figure that has appeared in some affiliate channels)
• $0 annual fee on the primary card and on authorized users; Capital One does not charge an annual fee on the Savor Cash Rewards Credit Card (this is the no-annual-fee Savor; the $95 annual fee Savor One Cash Rewards is a separate, discontinued/closed-to-new-applications legacy product and should not be confused with this card)
• Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart and Target), on dining, on entertainment, and on popular streaming services (per Capital One's product page; streaming category is defined to include providers like Netflix, Hulu, Disney+, Spotify, Apple Music, HBO Max, and similar standalone streaming subscriptions, but excludes audiobook services, news services, fitness/exercise apps, and streaming bundled with cable, satellite, or wireless carriers)
• Earn unlimited 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel (the Capital One Travel portal at travel.capitalone.com; airfare booked through the portal earns the base 1% rate, not 5%, per Capital One's terms)
• Earn 8% cash back on Capital One Entertainment purchases (tickets to concerts, sporting events, and live experiences purchased on the Capital One Entertainment ticketing platform with an eligible Capital One Savor card, per Capital One's product page; this is the highest-earning category on the card)
• Earn unlimited 1% cash back on all other purchases with no rotating categories, no activation requirements, and no caps on the bonus categories
• Cash back rewards do not expire for the life of the account as long as the account remains open and in good standing (per Capital One's product page)
• Redemption options: redeem cash back any amount at any time as a statement credit, check, or to cover recent purchases; you can also redeem cash back for gift cards or to pay at checkout at select merchants like Amazon and PayPal (no minimum redemption threshold, unlike older Capital One cash back cards that required $25 minimums)
• Cash back redemption ratio is 1 cent per 1 cash back point (1:1, fixed rate); cash back from this card cannot be transferred to Capital One's airline or hotel transfer partners because Capital One restricts transfers to the miles-earning Venture / Venture X / Venture Rewards / VentureOne / Spark Miles product family (per Capital One's miles transfer FAQ)
• No foreign transaction fees on purchases made outside of the United States, per Capital One's product page; this makes the Savor Cash Rewards a reasonable choice for international dining and grocery spend without the 3% surcharge most $0 annual fee cash back cards add
• Network: Mastercard (the current product page schema lists 'Network: MasterCard' for new Savor Cash Rewards accounts); the older legacy Savor product was issued on the Visa Signature network, so existing Visa-branded Savor accounts may continue on Visa Signature, but new applicants are typically issued Mastercard World Elite
• Intro APR offer: 0% intro APR for 12 months on purchases and on balance transfers from account opening; standard variable APR of 18.49% to 28.49% applies after the intro period (per Capital One's pricing terms as of 2026-05-23, subject to creditworthiness)
• Balance transfer fee: 4% of each balance transfer at the promotional APR offers available at this time; balance transfers requested outside of a promotional offer have no fee, per Capital One's standard balance transfer pricing terms
• $0 fraud liability: you are not responsible for unauthorized charges, per Capital One's standard fraud protection policy across all consumer credit cards
• Travel Accident Insurance: complimentary coverage when you use your Savor Cash Rewards card to purchase your fare for a covered common carrier trip (terms, conditions, and exclusions apply per the Mastercard Guide to Benefits)
• Extended Warranty: additional warranty protection on eligible items purchased with your card, on top of the manufacturer's original warranty (terms, conditions, and exclusions apply per the Mastercard Guide to Benefits)
• Capital One Travel benefits: price match guarantee (if Capital One Travel's price drops within 24 hours of your booking on flights, hotels, or rental cars, you get the difference back as a Capital One Travel credit up to $50), price prediction tools, and price drop alerts
• Hertz Five Star status: complimentary upgrade to Hertz Five Star elite status when you enroll through the Capital One Benefits Tab in your online account (age and eligibility restrictions apply per Hertz's terms)
• Eno virtual card numbers: free virtual card number service from Capital One's Eno assistant for safer online checkout; generate single-merchant card numbers that can be paused or deleted without affecting your real card number (Eno is a browser extension and is available in supported browsers only)
• CreditWise: free credit monitoring tool from Capital One that monitors your TransUnion and Experian credit reports and provides your TransUnion-based FICO Score 8; CreditWise is available to anyone whether or not they hold a Capital One card
• 24/7 customer service via phone, the Capital One mobile app, and online chat; the mobile app supports card lock/unlock, transaction alerts, dispute filing, mobile check deposit (for Capital One bank customers), and rewards redemption
• Digital wallet support: Apple Pay, Google Pay, and Samsung Pay enabled; contactless tap-to-pay supported on the physical card
• Authorized users may be added at no additional cost and rewards earned by authorized users post to the primary cardmember's account; the primary cardmember is responsible for all charges
• Emergency Card Replacement and Emergency Cash Advance services are available through the issuer's 24/7 customer service line if your card is lost or stolen while traveling
• Account alerts: customizable text, email, and push notification alerts for purchases, payments, statement availability, balance thresholds, and suspicious activity, configurable in the Capital One mobile app and online account
• Transfer to airline or hotel partners: Not offered on the Savor Cash Rewards (Capital One restricts transfer-partner redemptions to the Venture / Spark Miles product line; cash back earned on Savor cannot be moved into the Capital One miles transfer ecosystem or sent to partners like Air Canada Aeroplan, Air France/KLM Flying Blue, Avianca LifeMiles, British Airways Avios, Cathay Pacific Asia Miles, Choice Privileges, Emirates Skywards, Etihad Guest, EVA Air, Singapore KrisFlyer, TAP Miles&Go, Turkish Miles&Smiles, Virgin Red, or Wyndham Rewards)
• Lounge access (Capital One Lounges, Priority Pass, Plaza Premium, or partner lounges): Not offered on the Savor Cash Rewards (lounge access on Capital One is reserved for the Venture X and Venture X Business cards)
• Annual travel credits, Capital One Travel credits, dining credits, or Global Entry / TSA PreCheck application fee credit: Not offered on the Savor Cash Rewards (these statement credit benefits are reserved for the Venture and Venture X cards)
• Cell Phone Protection: Not offered on the Savor Cash Rewards (cell phone protection is not listed on the current Capital One Savor product page or in the Mastercard Guide to Benefits applicable to this card; this is a gap relative to competing $0 annual fee cards like the Wells Fargo Active Cash)
• Trip Cancellation / Interruption Insurance, Trip Delay Reimbursement, Baggage Delay Insurance, and Lost Luggage Reimbursement: Not offered on the Savor Cash Rewards (none of these travel insurance benefits are listed on the current product page; reserved for Capital One's premium Venture X)
• Rental Car Collision Damage Waiver (CDW) / Auto Rental Insurance: Not offered on the Savor Cash Rewards (Capital One does not list auto rental CDW as a benefit on this card; rely on the rental company's CDW or another card with coverage)
• Purchase Protection / damage and theft coverage: Not offered on the Savor Cash Rewards (purchase protection is not listed on the current product page or the Mastercard Guide to Benefits applicable to this card)
• Concierge service: Not offered at the Capital One issuer level on the Savor Cash Rewards (Mastercard World Elite cardholders may access Mastercard's network-level Priceless concierge services where Mastercard provides them, but no Capital One-branded concierge is offered on this card)
• Hotel elite status (Hilton Honors, Marriott Bonvoy, World of Hyatt, IHG One Rewards): Not offered on the Savor Cash Rewards (Capital One does not partner with hotel chains on co-branded products and no complimentary hotel status is included)
• Rotating quarterly bonus categories or category-activation requirements: Not offered on the Savor Cash Rewards (the 3% / 5% / 8% bonus tiers are fixed all year with no activation; rotating-category cards are products like the Chase Freedom Flex and Discover it Cash Back)