Capital One Savor Cash Rewards Credit Card
Earn unlimited cash back on dining, entertainment, grocery stores, and more with no annual fee.
Current Welcome Offer
0 bonus
Card Offers
public
0 bonus
Earning Rates
Unlimited cash back at restaurants
Unlimited cash back on entertainment purchases
Unlimited cash back at grocery stores (excluding superstores like Walmart and Target)
Unlimited cash back on popular streaming subscriptions
Unlimited 1% cash back on all other purchases
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
- Balance transfer APR ranges up to 29.99%, making it a poor choice for carrying a balance
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
- 19.99% - 29.99%
- Balance Transfer APR
- 19.99% - 29.99%
- Cash Advance APR
- 29.99%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
2 benefits
Travel Credits
Purchase Protection
Coverage Tier Legend
Frequently Asked Questions
Does the Capital One Savor Cash Rewards Credit Card have an annual fee?
What cash back rate does the card earn on dining and entertainment?
Does the card earn cash back at grocery stores?
Are there foreign transaction fees on this card?
What is the purchase APR for this card?
Does the card offer a welcome bonus?
What does the extended warranty protection benefit cover?
Does the card earn cash back on streaming services?
What credit score is needed to apply for this card?
What is the cash advance APR?
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.
The Capital One Savor Cash Rewards Credit Card earns unlimited cash back on dining, entertainment, popular streaming services, and grocery stores. It has no annual fee and no foreign transaction fees, making it a solid everyday cash-back card for food and fun lovers.
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 Capital One Savor Cash Rewards Credit Card
0 bonus with no annual fee.
Similar Cards You Might Like
Card Categories
Sources & Methodology
Sources & Methodology
We collect card details from official issuer pages, then verify them through editorial review.
Last updated:
Pending editorial review.
- 0 of 2 benefits rated high confidence
- 0 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
Found an error? Report it here.