Capital One Savor
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn $200 cash back after spending $500 in the first 3 months.
Benefits and fees last verified Jun 2026against the issuer's published terms.
A $200 cash bonus for putting $500 on the card in your first 3 months. No annual fee.
- Annual fee
- No annual fee
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.
Earning Rates
At a glance
- 3% dining + entertainment
- 3% grocery + streaming
- No annual fee
- No foreign tx fees
Important considerations
- Rewards do not transfer to travel partners
Rewards are fixed cash back with no airline or hotel transfer partners, so you cannot convert them into points for premium cabin or outsized award value.
Based on this card's terms last verified Jun 2026.
Earning rates
4- 3%dining
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)
- 5%lodging
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)
- 8%
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)
- 1%everything else
Earn unlimited 1% cash back on all other purchases with no rotating categories, no activation requirements, and no caps on the bonus categories
Transfer partners
1Statement credits
2- $25Redemption options
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)
- $50Capital One Travel 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
Perks & memberships
4- Authorized users$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)
- Card networkNetwork: 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
- Elite statusHertz 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)
- Authorized usersAuthorized 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
Travel & purchase protections
3- $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)
More benefits & fine print (5)ShowHide
- 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)
- 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)
- 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
- 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
Before you decide, weigh alternatives
This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.
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How to Earn the Bonus
Spend $500 in the first 3 months to earn the $200 cash back bonus.
See the Current Offer
Earn $200 cash back
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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