Capital One Savor Cash Rewards
Editor reviewedUncapped 3% on dining, groceries, entertainment and streaming, no fee
Rates verified July 23, 2026Apply nowTracked since2026
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The Bottom Line
Annual fee
$0
Biggest pro
Four everyday 3% categories, uncapped, for free
Biggest con
1% base rate
At a glance
Rates verified July 23, 2026- Annual fee
- $0
- Rewards
- 3% dining, groceries, entertainment and popular streaming, 1% other
- Welcome bonus
- $250 after $500 in 3 months (elevated June 2026 offer)
- Regular APR
- 18.49%-28.49% variable
- Intro APR
- 0% for 12 months on purchases and balance transfers
- Recommended credit
- good (670+)
- Issuer
- Capital One
- Network
- Mastercard
Is it worth it?
No annual fee, so rewards are pure upside
There is no annual fee to earn back, so every dollar of rewards is money ahead. Weigh the regular APR before carrying a balance, since interest quickly outweighs any rewards.
What is Capital One Savor Cash Rewards?
The social spender's card: uncapped 3% on fun and food, free. Formerly SavorOne and now Capital One's free cash-back flagship, it covers four everyday categories with no caps and no annual fee, which few competitors match.
There is no annual fee, a 0% intro APR for 12 months on purchases and balance transfers, and a regular APR of 18.49% to 28.49% variable. Earning: 3% on dining, groceries (excluding Walmart and Target superstores), entertainment and popular streaming, 1% elsewhere. The welcome bonus is $250 after $500 in 3 months, an elevated June 2026 offer. There is no foreign transaction fee, and cardholders get Capital One Entertainment presales.
The catch: the 1% base rate on everything else is weak, and the grocery exclusions bite anyone who shops at superstores.
Pros & Cons
Pros
- Four everyday 3% categories, uncapped, for free
- Easy bonus
Cons
- 1% base rate
- Grocery exclusions bite superstore shoppers
Key details
3% on dining, uncapped3% on groceries (excluding Walmart/Target superstores)3% on entertainment and popular streaming0% intro APR for 12 months on purchases and balance transfersNo foreign transaction feeCapital One Entertainment presales
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Capital One Savor Cash Rewards FAQ
What is the annual fee on the Capital One Savor?
There is no annual fee.
What is the current welcome bonus?
$250 after spending $500 in the first 3 months, an elevated offer from June 2026.
What credit score do you need?
Good credit, roughly 670 or higher.
Source: capitalone.com