What if your morning coffee, your Friday dinner, and your streaming subscriptions all earned you cash back? The Capital One Savor card is built for exactly that, rewarding dining, groceries, entertainment, and streaming with no annual fee. For food-and-fun households, it is one of the most rewarding no-fee cards available. Here is the full breakdown, with the real numbers.
Key Facts at a Glance
| Issuer | Capital One |
| Network | Mastercard (usable anywhere Mastercard is accepted) |
| Annual fee | $0 |
| Purchase APR | 0% intro 12 months, then 18.49% to 28.49% variable |
| Penalty APR | None (Capital One does not charge one) |
| Foreign transaction fee | $0 |
| Other fees | 3% balance transfer (intro); up to $40 late; 5% cash advance (min $5) |
| Rewards | 3% dining/grocery/entertainment/streaming; 5% Capital One Travel; 1% else |
| Welcome bonus | $200 after $500 spend in first 3 months |
| Typical credit limit | Starts ~$1,000; reported $5,000 to $30,000 |
| Credit score | Typically 670+ (good to excellent) |
| Reports to | Experian, TransUnion, Equifax |
Facts verified as of June 2026 against Capital One's disclosures.
What Is the Capital One Savor Card?
The Capital One Savor Cash Rewards card is a cash-back Mastercard focused on everyday lifestyle spending, issued by Capital One and usable anywhere Mastercard is accepted. It earns elevated rewards on dining, groceries, entertainment, and streaming, with a $0 annual fee. It is a card for people who want simple cash back without juggling rotating categories, and Capital One lists it for good-to-excellent credit, so it is a rewards card rather than a credit-building starter.
Capital One Savor Card Rewards
As of June 2026, the Savor card earns:
- Unlimited 3% cash back at grocery stores (excluding superstores like Walmart and Target), and on dining, entertainment, and popular streaming services
- Unlimited 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- Unlimited 1% cash back on all other purchases
Rewards do not expire for the life of the account, and cash back can be redeemed for statement credits, checks, or to cover recent purchases at full value (no minimum). One detail worth knowing: warehouse and superstores like Walmart and Target do not code as grocery stores, so they earn 1%, not 3%.
Capital One Savor Card Welcome Bonus and Intro APR
As of June 2026, Capital One advertises a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. The card also offers a 0% intro APR for 12 months on purchases and balance transfers, then a 18.49% to 28.49% variable APR, with a 3% balance transfer fee during the intro window. Existing or previous cardmembers who received this bonus in the past 48 months are not eligible.
Capital One Savor Card Fees
The Savor card keeps fees light:
- Annual fee: $0
- Foreign transaction fee: $0, which makes it useful abroad
- Balance transfer fee: 3% during the intro period
- Late payment: up to $40; cash advance: 5% (minimum $5) with interest from day one
- No penalty APR, a meaningful consumer-friendly detail
The card delivers the most value when you pay your statement in full each month, since carrying a balance at up to 28.49% after the intro period can erase your cash back. You can track your score for free at Creditship.ai to confirm you are in approval range before applying.
Approval, Credit Limit, and Who It Fits
Capital One lists the Savor for good-to-excellent credit, generally a FICO score of 670 or higher, and the application is a hard pull. Starting credit limits begin around $1,000, with cardholders reporting lines anywhere from $5,000 up to $30,000 depending on income and profile. Capital One reports to all three major bureaus (Experian, TransUnion, and Equifax).
This card fits people who spend meaningfully on food and entertainment. If a large share of your budget goes to restaurants, groceries, and streaming, the 3% categories add up fast, though it is worth comparing other cash back cards for groceries if food is your single biggest category. Because there is no annual fee, even moderate spenders can come out ahead. If your credit is still developing, this card may be out of reach for now, but building first can put it within reach.
Alternatives Worth Considering
If you want a flat-rate alternative without category tracking, the Robinhood Gold Card earns 3% unlimited cash back on every purchase with no foreign transaction fee. It rewards all spending at one rate rather than boosting dining and groceries, so it suits people who would rather not think about categories. It is available to Robinhood Gold members and opened through your Robinhood brokerage account.
Robinhood
Robinhood
Robinhood is a trading platform that brings stocks, ETFs, options, futures, prediction markets, crypto, and retirement accounts together in one app.
Standout feature
One platform for stocks, ETFs, options, futures, prediction markets, and crypto
Fees
$0 commission on stocks, ETFs, and options.
Pros
Zero-commission trading on stocks, ETFs, and options
Cons
Best perks (high APY, lower margin rates) require Gold subscription ($5/month)
Not in the Savor's approval range yet? Capital One lists it for good-to-excellent credit, so if your file is still thin, an unsecured starter card builds the on-time history that gets you there. The Aspire Mastercard takes no security deposit, accepts applicants from the 580 FICO range, reports to all three bureaus, and pays up to 3% cash back, so you earn while you build.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Once your score reaches the good-to-excellent range, cards like the Capital One Savor become realistic targets. If you would rather compare more options first, our roundup of the best personal credit cards for rewards is a good starting point.
Getting the Most From the Savor Card
If you already qualify, a few habits help you maximize value. Pay your statement in full each month so interest never eats into your cash back. Use the card for the spending you already do in the 3% categories, then let the rewards accumulate. Pairing it with a budgeting routine keeps your spending intentional rather than inflated by rewards chasing.
Is the Capital One Savor Card Worth It?
For people with strong credit who spend on dining and entertainment, the answer is often yes. With no annual fee, no foreign transaction fee, no penalty APR, and unlimited 3% on everyday categories, the Savor card delivers real cash back with little downside beyond interest if you carry a balance. If your credit is not there yet, build first with a low-cost starter card, then revisit once your score qualifies. Terms and conditions apply.
Frequently Asked Questions
Does the Capital One Savor card have an annual fee?
No. As of June 2026, the Capital One Savor card has a $0 annual fee and no foreign transaction fees, which makes it easy to come out ahead on rewards.
What does the Capital One Savor card earn cash back on?
As of June 2026, it earns unlimited 3% cash back on dining, entertainment, popular streaming, and grocery stores (excluding superstores like Walmart and Target), 5% on hotels and rental cars booked through Capital One Travel, and 1% on everything else. Rewards do not expire.
What credit score and limit do you need for the Savor card?
Capital One lists the Savor for good-to-excellent credit, generally a FICO score of 670 or higher, after a hard pull. Starting limits begin around $1,000, with reported lines ranging from $5,000 to $30,000. If your score is lower, building first with a card like the Aspire Mastercard can improve your odds.
What is the welcome bonus and APR on the Savor card?
There is a $200 one-time cash bonus after spending $500 in the first 3 months, plus a 0% intro APR for 12 months on purchases and balance transfers, then 18.49% to 28.49% variable with no penalty APR. Paying in full each month keeps interest from eroding your rewards.
