Capital One Savor Cash Rewards
Savor earns 3% cash back on dining, entertainment, and groceries with no annual fee and a $200 bonus after $500 in spend. For households that spend heavily on food and fun, it out-earns a flat-rate card — and it's verified directly on Capital One's own page.
Is the Capital One Savor Cash Rewards worth it?
The Capital One Savor is the food-lover’s cash-back card. It earns 3% cash back on dining, entertainment, and groceries — three of the categories where households tend to spend the most — with no annual fee, plus a $200 cash bonus after $500 in spend within three months.
It’s issued by Capital One, N.A., which we confirmed is an active FDIC institution (cert #4297). The card also offers 0% intro APR for 12 months on purchases and balance transfers, after which the variable APR is 18.49%–28.49% (as of 05/30/2026).
The math is simple: with no annual fee, every dollar of the elevated 3% is upside, so if dining and groceries are big line items for you, Savor out-earns a flat-rate card. If your spending is spread out, pair it with a flat-rate card like Quicksilver and put food on the Savor. Rates, fees, and offers are variable and can change; this is not financial advice; confirm current terms on Capital One’s site before applying.
How does a rewards credit card work?
A rewards credit card earns a percentage back on what you spend, which the issuer credits as cash back, points, or miles. You pay no interest if you clear the statement balance each month; carry a balance and the variable APR applies. The card reports your payment history to the credit bureaus.
What does the Capital One Savor Cash Rewards cost if you carry a balance?
Carrying a $1,000 balance at the 18.49% minimum APR costs roughly $185 a year in interest. That is why a rewards card only pays off if you clear the statement balance every month — interest at this rate quickly outruns any rewards.
Illustrative estimate based on the figures on this page, not an offer. Your results will differ.
What are the pros and cons of the Capital One Savor Cash Rewards?
The Capital One Savor Cash Rewards stands out for 3% cash back on dining, entertainment, and groceries, though base rate on other spend is lower than the 3% categories.
- 3% cash back on dining, entertainment, and groceries
- $0 annual fee
- $200 cash bonus after $500 in spend in 3 months
- Base rate on other spend is lower than the 3% categories
- Regular APR is 18.49%–28.49% variable
- Best value only if your food/entertainment spend is high
Who should get the Capital One Savor Cash Rewards?
The Capital One Savor Cash Rewards is best for households with high dining, grocery, and entertainment spend.
- Households with high dining, grocery, and entertainment spend
- People who want category rewards without an annual fee
- Anyone pairing it with a flat-rate card for everything else
How does the Capital One Savor Cash Rewards compare?
Among the 15 cash-back credit cards we track, the Capital One Savor Cash Rewards ranks #13 with a money8020 score of 84/100.
| Product | Score | Tier | Provider |
|---|---|---|---|
| Chase Freedom Flex® | 100 | Essential | JPMorgan Chase |
| Chase Freedom Unlimited® | 100 | Essential | JPMorgan Chase |
| Blue Cash Everyday® Card from American Express | 99 | Essential | American Express |
| Citi Double Cash® Card | 99 | Essential | Citibank |
| Discover it® Cash Back | 99 | Essential | Discover |
See all cash-back credit cards, ranked →
Common mistakes to avoid with a rewards credit card
- Carrying a balance — interest at the regular APR quickly erases any rewards.
- Chasing a sign-up bonus with spending you cannot pay off in full.
- Missing the intro-APR deadline and getting hit with the full variable rate.
- Overlooking an annual fee that outweighs the rewards for your spending.
Key takeaways
- Capital One Savor Cash Rewards earns a money8020 score of 84/100, ranking #13 of 15 cash-back credit cards.
- 3% cash back on dining, entertainment, and groceries
- Carrying a $1,000 balance at the 18.49% minimum APR costs roughly $185 a year in interest.
- Best for households with high dining, grocery, and entertainment spend.
- Rate and FDIC status fetched from Capital One and corroborated against a regulator.
Frequently asked questions about the Capital One Savor Cash Rewards
What does the Savor card earn cash back on?
Per Capital One, the Savor Cash Rewards card earns unlimited 3% cash back on dining, entertainment, and groceries, plus a lower flat rate on other purchases. It has a $0 annual fee and a $200 cash bonus after $500 in spend within the first 3 months.
Is the Savor card worth it over a flat-rate card?
It depends on your spending. With no annual fee, the 3% on food and entertainment is pure upside if those are big categories for you. If your spending is spread out, a flat 1.5%–2% card like Quicksilver may earn more overall. Many people carry both.
Will applying for the Capital One Savor Cash Rewards hurt my credit score?
Applying triggers a hard inquiry, which can dip your score a few points temporarily. Used responsibly — paying on time and keeping balances low — the card builds your credit over time.
Do the rewards on the Capital One Savor Cash Rewards expire?
On most cards, rewards do not expire while the account is open and in good standing, though terms vary. Redeem regularly and check the issuer's rewards policy.
Sources
We fetched these figures from the provider and corroborated them against a regulator, last checked May 30, 2026. Primary sources: