Capital One Savor Cash Rewards

Annual fee: No fee
Rewards: 3% dining, entertainment, popular streaming & grocery stores, 1% else; 5% hotels/vacation rentals/rental cars via Capital One Travel
Intro APR: 0% for 12 months on purchases and balance transfers
Regular APR: 18.74%–28.74% variable
Welcome offer: $200 after $500 spend in 3 months
Credit usually needed: Excellent
Card type: Cash back
Issuer: Capital One
Network: Mastercard

Apply on the Capital One site Check pre-approval

Terms checked on Oct. 26, 2026 on the issuer's own site. Source Rates and offers change; the issuer's page has the final terms.

Also in

Capital One Savor Cash Rewards review

A no-fee cash back card for people who spend on food and fun: 3% on dining, entertainment, streaming and grocery.

Who it's for

This card fits you if your spending leans toward restaurants, groceries, concerts, movies and streaming. You earn 3% cash back on dining, entertainment, popular streaming services and grocery stores, 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, and 1% on everything else. There's no annual fee, and you get 0% intro APR for 12 months on purchases and balance transfers.

Who should skip it

Skip it if your spending is spread out in categories it doesn't cover, where a flat 2% card earns more. And if you won't pay off purchases within the intro period, keep in mind the regular APR applies after that. Capital One generally looks for strong credit for this version of the card; if yours is still building, look at the student or good-credit versions in the catalog.

How to get the most from it

Put dining, groceries, streaming and entertainment on this card. Use a flat-rate card for the rest. It has no foreign transaction fees, so it works well on trips. Pay the full statement every month and set up autopay. If you use the intro APR, divide the balance by 12 and pay at least that monthly.

Pros

3% on dining, entertainment, streaming and grocery
No annual fee
0% intro APR for 12 months on purchases and balance transfers
No foreign transaction fees

Cons

1% on everything else
Usually needs strong credit
Regular APR after the intro period

Frequently asked questions

Is the Capital One Savor worth it?

If you spend a lot on dining, groceries and entertainment, it's one of the best no-fee cards for those categories.

Does the Savor earn 3% at Walmart or Target?

Superstores like Walmart and Target usually don't count as grocery stores. Check Capital One's terms.

Savor or Blue Cash Everyday?

The Savor covers dining and entertainment; the Blue Cash Everyday covers online shopping and gas. Look at which categories you spend more on.

Does the Savor have an annual fee?

No.

We may be paid by card issuers or affiliate partners when you click a link, apply or are approved. Payment never changes our reviews, your approval odds or the order of cards. How we make money