$0
Annual fee
See the card
Card reviewCapital One
Updated Sep 5, 2026 · research
Capital OneCapital One Cash Back Rewards
Savor Rewards from Capital One
Earn unlimited 3% cash back on food and fun, plus a $200 cash bonus
Personal
Mastercard
Credit profile: excellent$0
Annual fee
5% back capital one travel
Top rate
None
Foreign fee
N/A
Rating
We may earn a commission when you apply or book through our links, at no extra cost to you. It never changes our editorial inclusion, rankings, or verdicts.
Earning Rates
Capital One Travel
5%cash back
on hotels, vacation rentals and rental cars booked through Capital One Travel
hotels, vacation rentals and rental cars booked through Capital One Travel
5%cash back
booked through Capital One Travel
Dining
3%cash back
purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries
entertainment
3%cash back
includes movie theaters, live sports events, amusement parks, theatrical promoters, etc.
grocery stores
3%cash back
excluding superstores like Walmart and Target
grocery stores, dining, entertainment and popular streaming services
3%cash back
at grocery stores excluding superstores like Walmart and Target
Streaming
3%cash back
on popular music and video streaming services
all other purchases
1%cash back
Pros & Cons
Pros
- No annual fee makes the card cost-effective for everyday use
- Earns a strong unlimited 3% cash back across four common spending categories: dining, entertainment, streaming, and groceries
- No foreign transaction fees allow international use without added cost
- Straightforward cash back rewards with no rotating categories or activation required
Cons
- Requires excellent credit, limiting accessibility for many applicants
- Grocery cash back excludes superstores like Walmart and Target, which are where many consumers actually shop
- No current welcome bonus reduces the short-term value of opening the card
- Only 1% cash back on all non-bonus purchases, which is below average for a catch-all rate
Key Takeaways
- Earns unlimited 3% cash back on dining, entertainment, streaming, and groceries with no annual fee
- No foreign transaction fees make it usable for international purchases
- Excellent credit is required to qualify
- Grocery rewards exclude superstores like Walmart and Target
- No current welcome bonus is publicly available
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 18.49% - 28.49%0% intro APR for 12 months
- Balance Transfer APR
- 18.49% - 28.49%0% intro APR for 12 months
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
1 benefits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
Does the Capital One Savor Cash Rewards Credit Card have an annual fee?
No, the Capital One Savor Cash Rewards Credit Card has a $0 annual fee. There is no fee waived for the first year; the card simply carries no annual fee at all.
What cash back rate does the card earn on dining and entertainment?
The card earns unlimited 3% cash back on both dining and entertainment purchases. These rates apply without a spending cap or category limit.
Does the card earn cash back at grocery stores?
Yes, the card earns unlimited 3% cash back at grocery stores. However, superstores such as Walmart and Target are excluded from this category.
Are there foreign transaction fees on this card?
No, the Capital One Savor Cash Rewards Credit Card charges no foreign transaction fees. This makes it a reasonable option for international travel or purchases in foreign currencies. Note that cash advances and ATM withdrawals abroad may still incur separate fees.
Does the card offer a welcome bonus?
Based on current available data, no welcome bonus offer is listed for this card at this time. Consumers should check the Capital One product page for any updated offers before applying.
What does the extended warranty protection benefit cover?
Capital One may extend the manufacturer's warranty on eligible purchases made with the card. Coverage limits and eligible item categories vary, so cardholders should review the card benefits guide for full details.
Does the card earn cash back on streaming services?
Yes, the card earns unlimited 3% cash back on popular streaming services. This applies to eligible streaming subscriptions, making it a practical choice for households with multiple streaming accounts.
What credit score is needed to apply for this card?
Capital One lists excellent credit as a requirement for the Capital One Savor Cash Rewards Credit Card. Applicants who do not meet this threshold may want to explore other Capital One options better suited to their credit profile.
What is the cash advance APR?
The cash advance APR for this card is 29.99%. Cash advances also typically incur additional fees and begin accruing interest immediately, so they are generally not recommended.
About This Card
This card is best for consumers who frequently spend on dining, entertainment, streaming subscriptions, and traditional grocery stores and want to earn meaningful cash back without paying an annual fee.
Savor Rewards from Capital One with $0 annual fee. Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services, and unlimited 1% cash back on all other purchases. Rewards don't expire for the life of the account.
The Capital One Savor Cash Rewards Credit Card is one of the few no-annual-fee cards that simultaneously covers four high-frequency spending categories at 3% cash back, without requiring rotating category enrollment.
Ready to Decide?
Apply for the Savor Rewards from Capital One
Current offer available with no annual fee.
We may earn a commission when you apply or book through our links, at no extra cost to you. It never changes our editorial inclusion, rankings, or verdicts.
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