Capital One Savor Cash Rewards Credit Card Review
April 15, 2026
•
2 min
Capital One Savor Cash Rewards Credit Card Summary
The Capital One Savor Cash Rewards Credit Card is a cashback rewards card offering unlimited 3% cashback on dining, entertainment, streaming, and purchases at grocery stores (excluding superstores). It offers unlimited 1% cashback on all other purchases, 8% cashback on Capital One Entertainment purchases, and 5% cashback on hotels and rental cars booked through Capital One Travel.
Capital One Savor Cash Rewards Credit Card Pros & Cons
Pros
Unlimited 3% cashback on dining, entertainment, and more
No annual fee
Cons
Requires good credit to qualify
Very limited travel benefits
Capital One Savor Cash Rewards Credit Card at a glance
10
Editorial scoreFees
$0 annual fee, 3% balance transfer fee for the first 12 months; 4% at a promotional APR that Capital One may offer you at any other time
10.0
APR
18.49% - 28.49% (Variable)
10.0
Overview
This is a no annual fee cashback card that offers unlimited 3% cashback on purchases at grocery stores (excluding superstores like Walmart® and Target®), dining, entertainment, and streaming services, plus unlimited 1% cashback on all other purchases (See Rates & Fees).
Suitable For?
This is a versatile cashback card for anyone who spends a lot of money on dining, at grocery stores, streaming services, or entertainment like movies and concerts. It’s not the most generous card available for cashback across these categories, but it carries no annual fee. So, the Savor Cash Rewards is a great choice if you want to earn cashback but don’t want to worry about whether you’re getting your money’s worth from the card.
It also stands out for its intro APR offer. New cardholders pay 0% intro APR for 12 months on new purchases and balance transfers; 18.49% - 28.49% Variable APR after that. You can use this intro offer to take a break from paying interest on existing debt or to finance a big purchase.
The card is available to people with good to excellent credit. You will need a credit score of 700 or higher to qualify.
Interest Rates and Fees
This card carries no annual fee and no foreign transaction fees (See Rates & Fees). Balance transfers during the first 12 months carry a 3% fee, then 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you. You’ll also have a cash advance fee of 5% of the cash advance amount, but not less than $5. It has a variable interest rate of 18.49% - 28.49% after the intro APR period. Your rate is based on your creditworthiness and is determined when you’re approved for the card.
Annual fee | $0 |
Interest rate | 18.49% - 28.49% variable |
Balance transfer fee | 3% for the first 12 months; 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you |
Foreign transaction fee | $0 |
Rewards and Cash Back
It offers unlimited 3% cashback on dining, purchases at grocery stores (excluding superstores like Walmart® and Target®), entertainment, and streaming service purchases. These categories include all spending at restaurants and grocery stores (excluding superstores like Walmart® and Target®), plus spending on streaming services like Netflix and Disney+. It offers 8% cashback on Capital One Entertainment purchases, and 5% cashback on hotels and rental cars booked through Capital One Travel. All other purchases earn unlimited 1% cashback.
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. You also get 0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% Variable APR after that.
Your cashback won't expire for the life of the account.
Conclusion
This card offers unlimited 3% cashback on dining, purchases at grocery stores (excluding superstores like Walmart® and Target®), streaming services, and entertainment with no annual fee (See Rates & Fees). It also includes a $200 welcome bonus, 0% intro APR for 12 months, and additional benefits. Overall, this is a great card for anyone who wants cashback on dining and at grocery stores without an annual fee.
Methodology
This review is based on the Capital One website and online application.
Editorial disclosure: Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities.
Editorial disclosure: The credit card offers and information presented on this page are current as of the published date. However, credit card terms, including APRs, fees, and promotional offers, are subject to change without notice. Some offers listed may no longer be available or may have expired. Please refer to the issuer's website for the most up-to-date terms and conditions.
FAQs
Is there a limit to how much I can earn?
Cash back won't expire for the life of the account and there's no limit to how much you can earn.
Does the Savor Cash Rewards card offer travel benefits?
The Savor Cash Rewards card offers unlimited 3% cashback on dining and entertainment, which can be very rewarding when traveling!
Written byMichael Graw
Michael Graw is a personal finance expert at BestMoney.com, specializing in online banking and insurance. His work has appeared in print magazines and on high-impact websites. With a passion for clarity and practicality, Michael helps readers navigate today’s financial landscape.