3% dining, entertainment, grocery stores & streaming; 1% on all other purchases
Credit eligibility
Issuer review required; no guaranteed score cutoff
Intro APR
0% on purchases & balance transfers for 12 months
Sign-Up Bonus
$200 cash back after $500 spend in 3 months
$
Rates & Fees
Annual Fee
$0
Purchase APR
18.74%–28.74% variable
Intro APR
0% on purchases & balance transfers for 12 months
Foreign Transaction Fee
None
Balance Transfer Fee
Transfer fee applies to the promotional offer; confirm the fee in the issuer pricing terms
Cash Advance Fee
Up to 5% or $10 minimum, whichever is greater
Late Payment Fee
Up to $41
This page keeps its original URL for existing links. It reviews the Capital One Savor Rewards card with a $0 annual fee. Capital One also offers a different SavorOne Rewards card with a $39 annual fee. Confirm the product name and terms before applying.
✦
Estimate Your Rewards
See how this card fits your monthly spending
Enter your typical monthly spend by category to see roughly what the Capital One Savor Rewards would earn you per year (this doesn't include any one-time sign-up bonus).
Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1¢ each; actual redemption value varies.
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo
Est. Annual Rewards
$438/yr
After $0 Annual Fee
$438/yr
Based On
$1,950/mo
Key Features
✓
3% at grocery stores — rare for a no-fee card
✓
3% on dining AND entertainment
✓
No foreign transaction fees
Pros & Cons
✓ Pros
No annual fee
Broad 3% categories cover everyday spending
No foreign transaction fee
– Tradeoffs
1% base rate outside bonus categories
Superstores such as Walmart and Target do not qualify for the 3% grocery rate
No rotating 5% categories
How to Apply
1
Check Capital One's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.
2
Gather your Social Security number, annual income, housing payment, and employer details before starting the application.
3
Apply directly through Capital One's official site or app to make sure you're getting current, accurate offer terms.
4
Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.
5
If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.
How It Compares
Current product highlighted
Product
Annual Fee
Purchase APR
Rewards Rate
Capital One Savor Rewards
$0
18.74%–28.74%
3% dining, entertainment, grocery stores & streaming; 1% on all other purchases
5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else
Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.