Capital OneSavor Cash Rewards

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VALID THRU 08/31CASEY BROOKS

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Dining Cards · United States

Capital One Savor Cash Rewards Credit Card

4.5 / 5 editorial rating

Best for: Dining, grocery and streaming spenders who want plain cash back

Reviewed by the CreditCardCompare editorial team · Fees and rates checked September 2026 — confirm on the issuer's site before you apply

Annual feeNo annual fee

IssuerCapital One

NetworkMastercard

Purchase APR18.49%–28.49% variable

Foreign transaction feeNone

Credit neededGood to Excellent (700+)

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

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Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.

Our take on the Capital One Savor Cash Rewards Credit Card

The Capital One Savor is the best choice for someone who spends mostly on eating out, groceries and entertainment and wants no annual fee, because it pays 3% on all of those as of September 2026, plus 3% on popular streaming services. Few no-fee cards put a bonus on both grocery stores and restaurants.

The limit is everything else. Purchases outside the bonus categories earn 1%, so if dining, grocery and entertainment spending is less than about half your card use, a flat 2% card will likely earn more. We check it with a simple rule: every dollar in a 3% category gains a cent over a 2% card, and every dollar outside loses a cent.

It also travels well. Capital One charges no foreign transaction fee on the card, so restaurant and entertainment spending abroad still earns 3% without a surcharge, provided the merchant codes in the right category. Hotels, vacation rentals and rental cars booked through Capital One Travel earn 5%. The 0% intro APR for 12 months on purchases and balance transfers is a modest extra, and Capital One currently advertises a $200 bonus after $500 in purchases in the first three months.

Good fit if

You spend $600 or more a month combined on dining, groceries and entertainment
You go to concerts, sporting events or movies often
You travel abroad and want to earn 3% on meals without a foreign transaction fee

Skip it if

Most of your spending is on bills, gas and general retail that earn 1%
You want transferable travel points

Worked example

Assume $400 a month on groceries, $300 on dining, $100 on entertainment, $30 on streaming and $700 on everything else. The 3% categories total $830 a month, or $9,960 a year, earning $298.80. Other spending of $8,400 earns $84 at 1%. That is $382.80 with no annual fee. A 2% flat-rate card on the same $18,360 would earn $367.20, so the Savor comes out $15.60 ahead with this spending mix. We count the rewards conservatively as cash at face value.

How it stacks up

The American Express Gold Card earns 4x at restaurants and U.S. supermarkets but charges $325 a year, so it only beats the Savor for people with high food spending who use its credits. For a no-fee alternative with broader earning, the Wells Fargo Active Cash pays 2% on everything, which wins when your spending is spread across many categories. We would decide between them by adding up how much of your monthly spending lands in the Savor's 3% categories.

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.