Capital One
Capital One Savor Cash Rewards Credit Card
A no-annual-fee U.S. cashback credit card designed for food, grocery, entertainment, streaming, and travel bookings through Capital One Travel.
Highlights
Main benefits
- $0 annual fee
- Unlimited 3% cashback on dining
- Unlimited 3% cashback at grocery stores
- Unlimited 3% cashback on entertainment
- Unlimited 3% cashback on popular streaming services
- 5% cashback on eligible Capital One Travel bookings
- 1% cashback on all other purchases
- $200 welcome bonus after qualifying spend
- No foreign transaction fees
- Good card for food, fun, and everyday lifestyle spending
Fees
Fees and charges
Joining fee
$0
Renewal fee
$0 annual fee
Annual fee waiver
Not required because the card has a $0 annual fee.
Who can apply
Eligibility
Best suited for U.S. applicants with excellent credit. Approval depends on Capital One’s review of credit history, income, debt obligations, identity verification, and other underwriting factors.
Checklist
Documents required
- Government-issued ID
- Social Security Number or ITIN, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official Capital One Savor Rewards card page
2. Check the latest cashback rates, APR, fees, and terms
3. Use pre-approval if available
4. Click “Apply Now”
5. Fill in personal, income, and contact details
6. Submit the application and wait for Capital One’s decision
Value
Reward and cashback structure
Reward rate
5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel;
3% cash back at grocery stores, dining, entertainment, and popular streaming services;
1% cash back on all other purchases.
Cashback
Unlimited cashback on eligible purchases; rewards do not expire for the life of the account.
Good fit
Pros
- No annual fee
- No foreign transaction fees
- Strong rewards on dining and grocery stores
- Good cashback on entertainment and streaming
- Useful for Capital One Travel hotel and rental car bookings
- Simple unlimited 3% lifestyle categories
- Good welcome bonus with low spending requirement
- Rewards do not expire for the life of the account
Watchouts
Cons
- Requires excellent credit for the main Savor card
- No airport lounge access
- Only 1% cashback on non-bonus purchases
- 5% travel cashback is limited to Capital One Travel bookings
- Grocery rewards may exclude superstores like Walmart and Target
- Not ideal for users who want premium travel perks
- Mastercard acceptance is broad, but card benefits may vary by version
Related
Related cards
Compare
Compare Cards
| Field | Capital One Savor Cash Rewards Credit Card | Chase Sapphire Preferred® Card |
|---|---|---|
| Bank/provider | Capital One | Chase Bank USA |
| Joining fee | $0 | $95 annual fee |
| Renewal fee | $0 annual fee | $95 annual fee |
| Best for | Dining, grocery stores, entertainment, streaming services, Capital One Travel bookings, users who want cashback without an annual fee | Travel rewards, Chase Ultimate Rewards® points, dining, hotel bookings, international travel, beginners who want a serious travel card |
| Reward rate |
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| Cashback |
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| Lounge access | No Included airport lounge access | No Included airport lounge access |
| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit | Earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening | Welcome offer changes over time and may vary by user or channel. A commonly listed recent offer is bonus points after meeting a minimum spend requirement in the first 3 months, so check Chase’s official application page before publishing the exact number |
| Annual fee waiver condition | Not required because the card has a $0 annual fee |
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| Eligibility |
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| Apply link | Apply | Apply |