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.

Capital One Savor Cash Rewards Credit Card at a glance

Rewards & perks

• 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

Who should apply

• 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

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Capital One site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.