Capital One, N.A.

Capital One Savor Cash Rewards Credit Card Review 2026

Name: Capital One Savor Cash Rewards Credit Card
Brand: Capital One, N.A.
Rating: 4.2 (1 reviews)

$0 annual fee with unlimited 3% back on dining, grocery, entertainment, and streaming.

Quick answer

Capital One Savor Cash Rewards Credit Card has a $0 annual fee and pays unlimited 3% back on dining, grocery, entertainment, and streaming, 5% on Capital One Travel bookings, and 1% elsewhere.

Good to excellent credit — Typical approval range for Capital One's no-fee cash-back tier

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Who Capital One Savor Cash Rewards Credit Card is best for

Households that spend regularly on dining, groceries, and entertainment and want a flat rate with no rotating categories.

At a glance

Annual fee: $0
Dining/grocery/entertainment/streaming: 3% back
Capital One Travel bookings: 5% back
All other purchases: 1% back
Intro APR: 0% for 12 months
Ongoing APR: 18.49%–28.49% variable

Pros

+No annual fee
+Unlimited 3% back on dining, grocery, entertainment, and popular streaming — no rotating categories, no caps
+0% intro APR for 12 months on purchases and balance transfers
+5% back on Capital One Travel bookings

Cons

−Grocery/dining/entertainment focus under-rewards categories outside that mix (gas, general retail)
−Card generally targets good-to-excellent credit applicants
−Capital One's product page didn't reference a separate welcome bonus at time of review — confirm the current promo

Capital One Savor Cash Rewards Credit Card requirements

Recommended credit:Good to excellent credit is typical for Capital One's no-annual-fee cash-back tier

Not sure which card fits?

Answer 3 quick questions and get matched to the right card type for your spending profile.

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The full lineup

See all picks in Capital One Savor Cash Rewards Credit Card: The $0-Fee Version (2026)

Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.

Read the full guide →

Bottom line

Capital One Savor Cash Rewards Credit Card scores 4.2 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Households that spend regularly on dining, groceries, and entertainment and want a flat rate with no rotating categories.

◆ How we scored it

The ClearValue Rating, broken down.

Cost: 35%
Fit & approval odds: 30%
Speed & terms: 20%
Transparency: 15%

Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →

Frequently asked

Questions about Capital One Savor Cash Rewards Credit Card

Is there a cap on the 3% dining/grocery/entertainment rewards?+

No — Capital One's product page describes the 3% rate as unlimited across dining, grocery stores, entertainment, and popular streaming services.

Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.

https://clearvaluelending.com/reviews/capital-one-savor-cashrewards