The Ultimate Guide to Credit Cards™
Tuesday, September 29, 2026

Capital One Savor Cash Rewards Credit Card

Erica Sandberg

By: Erica Sandberg

Editor: Jon McDonald

Reviewer: Ashley Fricker

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Are you considering applying for the Capital One Savor Cash Rewards Credit Card? Here's a rundown of the key details of the card, along with links to its official website and application.

This card's rewards suit most people, particularly young adults who like to eat out or use popular streaming services. And it charges no annual fee -- all you have to do is charge purchases to the card and reap the rewards.

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.
  • Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
  • Top rated mobile app
Intro (Purchases) 0% for 12 months
Intro (Transfers) 0% for 12 months
Regular APR 18.49% - 28.49% (Variable)
Annual Fee $0
Credit Needed Excellent, Good

Interest Rate & Annual Fee

According to the issuer, the Capital One Savor Cash Rewards Credit Card currently charges the following APR on purchases and balance transfers:

  • Purchase Intro: 0% for 12 months
  • Balance Transfer Intro: 0% for 12 months
  • Regular APR: 18.49% - 28.49% (Variable)

The following is the current annual fee for the Capital One Savor Cash Rewards Credit Card, as listed by the issuer:

  • Annual Fee: $0
See site for details »

Credit Needed for Approval

The current general credit requirement for the Capital One Savor Cash Rewards Credit Card is:

  • Credit Level: Excellent, Good

Our Ratings by Category

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★★★★★
4.7
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★★★★★
4.8
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★★★★★
4.9
(Ranked #9 out of 53)
★★★★★
4.8
(Ranked #6 out of 50)
★★★★★
4.8
(Ranked #33 out of 44)
★★★★★
4.5

About the Author

Erica Sandberg is a consumer finance expert and journalist whose articles and insights are featured in publications such as the Wall Street Journal, Reuters, MarketWatch, Forbes, and MSN Money. An experienced media host, she's led many financial programs, including her podcast, "Adventures With Money." She's appeared on Fox, CNN, "EconTalk" and "The Dr. Drew Podcast," and has been the resident money and credit authority for KRON-4 News in San Francisco for more than 10 years. She's the author of "Expecting Money: The Essential Financial Plan for New and Growing Families" and recipient of the 2024 Financial Literacy and Education in Communities (FLEC) Award for National Excellence.