The Capital One Savor Cash Rewards Credit Card is built for everyday spenders who want rich earnings on food, entertainment, and streaming without paying an annual fee. It functions as a versatile daily card that turns common routine expenses into meaningful cash back.
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Overview
Dining and grocery purchases
Streaming and live entertainment
Fee-free international spending
With no annual fee and broad 3% earnings across dining, grocery stores, streaming services, and entertainment, this card delivers strong practical value for everyday household spending. The lack of foreign transaction fees and elevated earnings on Capital One Travel bookings give it real utility for casual travel, allowing cardholders to earn high rewards without navigating complicated statement credits. The primary trade-off is the 1% base rate on general purchases and the exclusion of superstores like Walmart and Target from the grocery category. Spenders who buy primarily at big-box retailers or want higher rewards on non-category purchases may want to pair this card with a flat-rate option.
This card is a strong fit for anyone looking to maximize routine spending on food and entertainment without paying an annual fee. Its main drawback is the 1% base rate on everyday purchases outside its core bonus categories.
Welcome Offer
after you spend $500 on purchases within 3 months from account opening
Est. Value
$200
Required Spend
$500
Time Frame
3 Months
Est. Value
$200
Required Spend
$500
Time Frame
3 Months
Earning
Earning straightforward cash back, the card focuses its highest rates on daily lifestyle categories like dining out, grocery runs, and entertainment purchases.
Entertainment (Capital One Entertainment)
Hotels (Capital One Travel), Vacation Rentals (Capital One Travel), Rental Cars (Capital One Travel)
Grocery stores (excl. superstores), Dining, Entertainment, Streaming services
Everywhere
Annual Credits & Perks
Despite charging no annual fee, the card provides travel price protections, discounts at Capital One Cafes, and basic purchase protections.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Complimentary 6-month Vinous subscriptionBenefits
Price drop protection
We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.
Enjoy an extended warranty
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card. Some of the above benefits are provided by the network and may vary by product. See your respective Guide to Benefits for details, as terms and exclusions apply.
Travel with accident insurance
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare. Some of the above benefits are provided by the network and may vary by product. See your respective Guide to Benefits for details, as terms and exclusions apply.
Benefits
Hertz Five Star® status
Skip the rental counter and choose from a wider selection of cars with complimentary Hertz Five Star® status. Eligible cardholders must enroll in the Hertz® Gold+™ Rewards status upgrade through the unique Benefits Tab link found within the Capital One website or mobile app after logging in. This offer is subject to change. Hertz Gold Terms and Rental Qualifications and Requirements apply. Click here for more benefit and eligibility information.
Benefits
Price match guarantee
If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
ENTERTAINMENT REWARDS
Earn unlimited 8% cash back on Capital One Entertainment purchases. The 8% cash back on Capital One Entertainment purchases includes tickets purchased on the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor card. The 8% excludes tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. Cash back earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Online account required. Please see the Capital One Entertainment ticketing platform's Terms of Use for more information about ticketing policies and terms and conditions.
TRAVEL REWARDS
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
Save on travel
If you find a better price on another site within 24 hours of booking an eligible flight, hotel or rental car, you'll get a travel credit for the difference. Capital One Travel's price match guarantee is available on eligible flight, hotel and rental car purchases made through Capital One Travel if you find a qualifying, cheaper itinerary elsewhere and let us know within 24 hours of booking. If applicable, Capital One will issue you a travel credit for the difference. Perks and qualifying activities vary by location and are subject to availability. Price matching before and after you book may not be available on all reservations. Terms apply. See travel.capitalone.com/terms-of-service/ for details.
Get 50% off handcrafted beverages
Capital One cardholders enjoy 50% off all handcrafted beverages every day at any Capital One Café nationwide. Find your Café. Cafés do not provide the same services as bank branches, but all Cafés have ATMs and Ambassadors who can help you. Visit a Café for details. Food and beverages provided by a third party provider. The 50% off handcrafted beverage discount is applicable when you use your Capital One credit or debit card at the Cafe. Banking products and services offered by Capital One, N.A., Member FDIC. © 2025 Capital One.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
18.74% - 28.74%
Variable
Transfer APR
18.74% - 28.74%
Variable
Cash Advance APR
28.74%
Variable
Foreign Transaction Fee
None
Balance Transfer
Balance transfer fee applies
Cash Advance
5% of the amount of the cash advance, but not less than $5
Late Payment
Up to $40
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
Earn up to $4,300 in travel value
Worth $4,300
When you spend $120,000 in your first 4 months as a cardholder
Annual Fee
$395
Rec. Credit
Excellent
Earn $2,000 Cash Back
Once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Annual Fee
$150
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
