Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
Annual fee: $0
Current welcome offer
Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening
My Take
This is a strong pick if dining, groceries, and entertainment make up a good chunk of your monthly spending. Unlimited 3% back at the grocery store (just watch out — Walmart and Target don't count) plus dining, entertainment, and streaming is a solid everyday rate, and pairing it with 5% on Capital One Travel bookings and 8% on Capital One Entertainment makes it even more rewarding if you already use those platforms.
The catch is that everything outside those categories only earns 1%, so it works best as a complement to another card rather than your only one. For a no-annual-fee card, though, it's hard to find much to complain about — no rotating categories to remember, no caps to track, and the cash back never expires.
How to Earn Rewards
Benefits
- Unlimited 3% cash back at grocery stores (excluding superstores), dining, entertainment, and popular streaming
- 8% cash back on Capital One Entertainment purchases
- 5% cash back on hotels, vacation rentals, and rental cars through Capital One Travel
- 1% cash back on all other purchases
- No annual fee, no foreign transaction fees
- No rotating categories to track — the bonus categories are always on
Is This Card Right For You?
✓ Best for
Families who spend heavily on groceries, dining out, and streaming subscriptions
Anyone who wants bonus-category cash back without an annual fee
Those who book through Capital One Travel or Capital One Entertainment and want the higher rates there
✗ Not ideal for
Big spenders outside the bonus categories, who'll only earn 1% on everyday non-grocery/dining purchases
Those who spend a lot at superstores like Walmart or Target for groceries, since those are excluded from the 3% rate
Shoppers chasing travel points instead of straight cash back
Offer History
The Savor's welcome bonus has mostly held at $200 after $500 spend within 3 months since late 2020 (it briefly required $1,000 in spend for a few months in 2023, then dropped back to $500). Capital One has occasionally run a $250 version of the bonus for limited stretches — most recently around October–December 2024, and again briefly in mid-2026 — before reverting to the standard $200. There was also a short-lived period in late 2025 when Capital One layered on an extra $100 Capital One Travel credit during the first cardholder year, similar to what they did with the Quicksilver. If you see the offer above $200 or with an added Travel credit attached, that's an elevated version worth calling out.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Vacation Pointers is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com, Bankrate.com, and nextcard.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Also, this page may contain affiliate links. That means if you click and buy, I may receive a small commission (at zero cost to you). Please see my full disclosure policy for details.
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
