Capital One Savor's biggest recent change isn't a rewards rate — it's the fee. As of this review (August 2026), Capital One's own product page lists a $0 annual fee, where the card historically carried a charge in past years. The category rewards structure stayed strong regardless.
What it pays (per capitalone.com, verified August 2026)
| Category | Rate |
|---|---|
| Dining, grocery stores, entertainment, popular streaming | 3% back, unlimited |
| Capital One Travel bookings | 5% back |
| Everything else | 1% back |
No rotating categories, no enrollment required, no earning cap on the 3% tier.
The intro APR
New cardholders get 0% APR for 12 months on both purchases and balance transfers, reverting to an 18.49%-28.49% variable range based on creditworthiness afterward.
Savor vs. SavorOne
Capital One has historically offered both Savor and a no-fee SavorOne variant with overlapping category bonuses. As of this review, Capital One's Savor product page didn't separately call out SavorOne — if you're deciding between the two, confirm the current product lineup and any remaining differences directly at capitalone.com before applying.
Who this fits
This card rewards a specific spending pattern — dining out, grocery runs, and entertainment/streaming subscriptions — at a flat, uncapped 3%. If your spending skews toward gas, general retail, or other categories outside that mix, a different flat-rate or category-rotating card may out-earn it.
Compliance note
ClearValue Lending is not a bank, card issuer, or financial advisor. This is editorial content built from Capital One's own published disclosures. Capital One Savor Cash Rewards Credit Card is issued by Capital One, N.A. Rates, fees, and rewards terms may change — verify current details at capitalone.com before applying.