Capital One
Capital One Savor Cash Rewards
Annual Fee
$0
Sign-up Bonus
20,000 pts
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Card data last reviewed 2026-10-20
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on dining (catalog median is 2x)
- 3x on fast food (catalog median is 2x)
- 3x on grocery (catalog median is 1.5x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$456/yr
$456 rewards
#24 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$560/yr
$560 rewards
#12 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$460/yr
$460 rewards
#40 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
3x
Grocery
3x
Gas
1x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
$0 annual fee. Unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excludes superstores like Walmart and Target). 8% on Capital One Entertainment, 5% on hotels and rental cars booked via Capital One Travel, 1% everywhere else. No foreign transaction fee. Formerly SavorOne: Capital One renamed the no-fee card to Savor in October 2024 and discontinued the $95 Savor.
- No foreign transaction fees
Capital One Savor Cash Rewards FAQ
What is the Capital One Savor Cash Rewards annual fee?
The Capital One Savor Cash Rewards has no annual fee.
What is the Capital One Savor Cash Rewards signup bonus?
20,000 points for new cardholders meeting the minimum spend. Verified 2026-08-21. Check the issuer's site for the current offer.
What are the best spending categories for the Capital One Savor Cash Rewards?
3x on dining, 3x on fast food, 3x on grocery. Everything else earns 1x.
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Sources & Verification
Card data last reviewed 2026-10-20.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.