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⚖ Add to comparisonCapital One · Mastercard
Capital One Savor Cash Rewards Credit Card
The Savor is the simplest dining-and-fun card: unlimited 3% on dining, entertainment, popular streaming and groceries, no annual fee, no foreign fee, and it's actual cash back so there's nothing to redeem strategically. Against the U.S. Bank Altitude Go's 4x dining, the Savor wins on grocery coverage and straight cash, but loses if you value points for travel transfers. The 1% base rate means non-bonus spend belongs on another card. Spend $600/month across dining, groceries and streaming and that's about $216 a year back; confirm the current $200-plus bonus and that you're not blocked by Capital One's one-bonus rules on their site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓3% on a generous definition of dining and entertainment
- ✓No surcharge on purchases made abroad
- ✓8% back on tickets booked through Capital One Entertainment
👍 Pros
- + Carries no yearly fee
- + Healthy dining and entertainment rewards
- + No surcharge on purchases made abroad
👎 Cons
- – A 1% base rate outside the bonus categories
- – It is cash back, not transferable on its own
- – Lounge entry is not included
Can you get it?
- ▸A credit score in the good-to-excellent range
- ▸Enough income to back the credit line
- ▸In some cases held to one Capital One personal card bonus at a time
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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