Capital One Savor Cash Rewards

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

Pour qui

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.

Qui devrait passer son tour

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.

Comment en tirer le meilleur parti

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.

Points forts

• 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

Points faibles

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

Questions fréquentes

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.