Capital One Savor review

Savor is built for food and fun. Capital One pays unlimited 3% cash back at grocery stores and on dining, entertainment and popular streaming services, plus 1% on all other purchases, with no annual fee and no cap on the 3% categories. Capital One Entertainment ticket purchases earn 8%, and hotels, vacation rentals and rental cars booked through Capital One Travel earn 5%. New cardholders can earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months. The card has a 0% intro APR for 12 months on purchases and balance transfers, then 18.74% to 28.74% variable, and Capital One says there are no hidden or foreign transaction fees, which makes it a good card to take on a trip. Rewards do not expire for the life of the account and can be redeemed for any amount. The limit is the 1% base rate: purchases outside groceries, dining, entertainment and streaming earn half what a 2% flat card pays, so many people pair Savor with Active Cash or Double Cash.

Who it is for

People who spend on food and going out and want no foreign transaction fees.

Price

$0 annual fee.

Earn a $200 bonus with no annual fee
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Unlimited 3% cash back at grocery stores and on dining, entertainment and popular streaming services
• 8% cash back on Capital One Entertainment purchases
• 5% on hotels, vacation rentals and rental cars booked through Capital One Travel
• $200 cash bonus after $500 on purchases in the first 3 months
• No foreign transaction fees

Strengths and weaknesses

• Strength: Four useful 3% categories with no cap
• Strength: No foreign transaction fees
• Strength: Rewards do not expire and can be redeemed for any amount
• Weakness: Only 1% on purchases outside the bonus categories
• Weakness: Intro APR lasts 12 months, shorter than several rivals
• Weakness: The highest rates require booking through Capital One portals

Key facts

• Annual fee: $0
• Bonus rates: 3% grocery, dining, entertainment, popular streaming
• Base rate: 1% on all other purchases
• Intro APR: 0% for 12 months on purchases and balance transfers
• Foreign transaction fee: None

Where it ranks

Capital One Savor is No. 5 in our Best Cash Back Credit Cards verdict.