⭐ Editor's Choice — Top Rated Pick
Capital One Savor Cash Rewards Credit Card
📍 Available in: US
★★★★★ 4.9 / 5.0
Formerly known as SavorOne, the Capital One Savor Cash Rewards Credit Card is the ultimate $0-annual-fee food and entertainment card. It pays unlimited 3% cash back across four major everyday categories—dining, grocery stores (excluding superstores like Walmart and Target), live entertainment (concerts, movie theaters, pro sports, theme parks), and popular streaming services—plus 8% cash back on Capital One Entertainment tickets and 5% on hotels and rental cars booked through Capital One Travel, all with 0% foreign transaction fees.
Key Facts at a Glance
| Cost / Fee Structure | $0 |
| APR / Rate | 19.24% - 29.24% Variable |
| Sign-Up Bonus / Match | $200 Cash Bonus (After $500 Spend in First 3 Months) |
| Credit / Eligibility | Good to Excellent (690+ FICO) |
Pros & Cons
✓ Pros
- ✓Uncapped 3% cash back on both dining AND grocery stores with $0 annual fee
- ✓0% foreign transaction fees makes it one of the best $0-fee cards for dining and groceries in Europe, Asia, or Latin America
- ✓If you also hold Capital One Venture X, you can convert Savor cash back into transferable airline miles (turning 3% into 3x miles)
✕ Cons
- ✕Walmart, Target, and wholesale clubs (Costco/Sam’s Club) code as discount stores/warehouse clubs and earn 1% instead of 3%
- ✕Capital One pulls all three credit bureaus (Equifax, Experian, TransUnion) on application
Key Features
Unlimited 3% Cash Back on Dining, Grocery Stores, Entertainment & Streaming8% Cash Back on Capital One Entertainment Tickets & 5% via Capital One Travel$0 Annual Fee & 0% Foreign Transaction Fees Worldwide0% Intro APR for 15 Months on Purchases and Balance TransfersConvert Cash Back 1:1 into Capital One Miles When Paired with Venture X
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