Capital One Savor
What it earns on dining, groceries, entertainment and streaming, the welcome offer, the benefits and what the protection covers.
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No annual fee and cash back · Capital One
Welcome offer
$200 bonus
Annual fee
$0
$200 cash bonus after $500 in purchases in the first 3 months. Not available to anyone who received a bonus on this card in the past 48 months.
Intro APR: 0% on purchases and balance transfers for 12 monthsForeign transaction fees: NoneRewards: Cash back
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The Atelier Take
The no-fee answer for dining and groceries.
Who it suits
Anyone who wants strong rewards on food, entertainment and streaming without paying a fee.
Who should skip it
Households whose grocery shopping happens mostly at Walmart or Target, which are excluded from the 3% grocery rate.
What it earns
Rewards: cash back, which can also be converted to miles when paired with a Venture or Venture X card.
8%
Capital One Entertainment tickets
Tickets bought on its platform with the Savor card
5%
Hotels, vacation rentals and rental cars booked through Capital One Travel
3%
Dining
3%
Grocery stores
Excluding superstores such as Walmart and Target
3%
Entertainment and popular streaming services
1%
Everything else
Rewards are cash back that never expires and can be redeemed for any amount. Held alongside a Venture or Venture X, the cash back can be moved to that account as miles and transferred to airline partners.
Other benefits
Hertz Five Star status
A free status upgrade with Hertz.
Capital One Café
50% off handcrafted drinks at Capital One Cafés.
Redeem at Amazon or PayPal
Rewards can pay for Amazon.com and eligible PayPal purchases.
What it is worth
No annual fee, so nothing to earn back. On $800 a month across dining, groceries and streaming, 3% returns $288 a year in cash.
Paired with a Venture card, the same rewards can become transferable miles, which is where Savor becomes more than a cash-back card.
Insurance and protections
Capital One lists these protections on the card’s page; limits depend on the card’s network tier and are set out in the Guide to Benefits sent with the card. There is no trip delay, trip cancellation or cell phone cover listed.
Extended warranty
Additional warranty protection on eligible items bought with the card.
Travel accident insurance
Automatic cover when the fare is paid with the card.
24-hour travel assistance
Emergency card replacement and cash advance if the card is lost or stolen.
Pros and cons
Pros
- 3% on dining, groceries, entertainment and streaming with no fee
- No foreign transaction fees
- Pairs with Venture cards to convert cash back into miles
- 0% intro APR for 12 months
Cons
- 1% outside the bonus categories
- The grocery rate excludes superstores such as Walmart and Target
- Cash value only on its own
Card terms change often and some offers are personalized; the issuer’s page is the final word.