Capital One Savor Cash Rewards
A no-fee card with 3% on dining, groceries, entertainment and popular streaming, with no cap. Annual fee: $0. Welcome offer: $200 cash bonus after $500 in purchases in the first 3 months.
Capital One markets the current no-fee card as 'Savor' (formerly SavorOne).
Welcome offer
| Offer | $200 cash bonus |
|---|---|
| Spend requirement | $500 in purchases |
| Time window | first 3 months |
| Expiration | No end date stated |
Reported by NerdWallet (Sep 21, 2026). Capital One's own page was a template with blank fields on Oct 27, 2026.
Offers may vary by applicant, channel, referral link and targeting. The offer on the issuer's own application page is the one that applies.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Dining, grocery stores, entertainment, popular streaming | 3% | Superstores like Walmart and Target and warehouse clubs do not count as grocery. |
| Capital One Entertainment | 8% | |
| Hotels, vacation rentals, rental cars via Capital One Travel | 5% | |
| Everything else | 1% |
Superstores and warehouse clubs do not count as grocery.
Benefits and credits
Other benefits
- 0% intro APR for 12 months on purchases and balance transfers.
Restrictions
No special restrictions beyond the issuer's standard approval and bonus-eligibility rules.
Strategies
How this card relates to others. The old $95 Savor card closed to applications in July 2024. In October 2024 the former SavorOne card took the Savor name, so 'Savor Cash Rewards' on your list is the no-fee card described here.
- A strong no-fee pick for households that spend a lot on food; compare against Blue Cash Everyday's gas and online retail categories.
Best categories: 3% at dining, grocery stores, entertainment, popular streaming; 8% at capital one entertainment.
Compare with: Chase Freedom Unlimited®, Chase Freedom Flex®, Citi Double Cash® Card, Blue Cash Preferred® Card from American Express. Or try the Best Card Finder with your own spending.
Sources and freshness
Fees and earning rates come from Capital One's official page, fetched on Oct 27, 2026. Where Capital One's page left the bonus blank, the offer comes from the dated third-party report named in the offer note.
Last updated: . Verification status: checked against the sources above.