Best no-fee cash-back card for dining, entertainment, and streaming.
Find your card type — 60-second quiz →
Good–Excellent credit — 670+ FICO typical; hard pull required
ClearValue Rating: 4.3 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Cardholders who spend heavily on dining, entertainment, and popular streaming services and want 3% cash back with no annual fee.
The Capital One Savor Cash Rewards Credit Card has a $0 annual fee and earns 3% on dining, entertainment, popular streaming, and grocery stores (excluding superstores), and 1% on everything else. There is no foreign transaction fee. Verify the current APR and welcome bonus terms at the issuer.
| Year 1 value | Ongoing value |
|---|---|
| Welcome bonus after qualifying spend + 3% on dining, entertainment, streaming, and grocery stores | 3% on dining, entertainment, streaming, and grocery stores; 1% on everything else; $0 annual fee |
| Verify current welcome bonus and grocery store exclusions at the Capital One issuer page | |
Capital One Savor Cash Rewards Credit Card — Best no-fee cash-back card for dining, entertainment, and streaming. Best for: Cardholders who spend heavily on dining, entertainment, and popular streaming services and want 3% cash back with no annual fee.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
For dining rewards alone, the Amex Gold earns 4X points (roughly 4% at standard redemption value) versus the Savor's 3% cash back. However, the Amex Gold carries a $250 annual fee, offset by $120 in dining credits and $120 in Uber Cash (if used). The Savor charges $0 annual fee. For cardholders who won't use the Amex monthly credits consistently, the Savor's net return is often higher. If you'll use the credits every month and dine frequently, the Gold's higher earn rate typically wins. Verify current terms at both issuers.
The Savor earns 3% on grocery stores, but Capital One excludes superstores (such as Walmart and Target) from the grocery category — those purchases typically earn 1%. For grocery spending at traditional supermarkets, 3% is strong and competes well with no-fee alternatives. For Amex Blue Cash Preferred, the 6% rate on U.S. supermarkets (up to $6,000/yr) is higher but carries a $95 annual fee after year one. Verify current category definitions and exclusions at the Capital One issuer page before applying.
No — the Capital One Savor does not charge a foreign transaction fee, making it usable internationally without a 3% surcharge. This is a meaningful advantage for travelers who dine out heavily when abroad. Verify current terms at the Capital One issuer page.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Capital One Savor Cash Rewards Credit Card. The Capital One Savor is issued and operated by Capital One, N.A. APRs, rewards rates, fees, and terms are determined solely by Capital One and may change — verify current terms at capitalone.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
See all picks, methodology, and side-by-side comparison in Best Cash-Back Credit Cards 2026.
Advertiser disclosure: some links are from our partners — we may earn a commission at no cost to you. Rankings and editorial assessments are independent of compensation.