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Annual Fee: $0
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.
The Capital One Savor Cash Rewards Credit Card is an excellent choice for individuals who appreciate dining out and entertainment. With this card, you can earn generous cash-back rewards, including 3% cash-back on dining and entertainment purchases, 2% cash-back at grocery stores, and 1% cash-back on all other spending categories. What makes it even more appealing is the absence of an annual fee, allowing you to maximize your rewards without incurring additional costs. Plus, with no foreign transaction fees, it's a versatile card for both everyday expenses and travel. Whether you're a food enthusiast or enjoy entertainment outings, the Capital One Savor Cash Rewards Credit Card provides an easy way to earn cash-back while enjoying your favorite activities.
[.redeem] 8% [.redeem] cash back per $1 on Capital One Entertainment purchases
[.redeem] 5% [.redeem] cash back per $1 on hotels and rental cars booked through Capital One Travel
[.redeem] 3% [.redeem] cash back per $1 at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment, and popular streaming services
[.redeem] 1% [.redeem] cash back per $1 on all other purchases
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.
Annual Fee: $150
🏆 Best Student Starter Card
🏆 Best Student Starter Card
Annual Fee: $0
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
If you love dining out, watching movies, or streaming your favorite shows, the Capital One Savor Cash card should be high on your list. It’s rare to find a card that earns solid cash back across multiple categories with no annual fee! What stands out to me is the lack of an annual fee paired with impressive rates. You’ll earn big on dining, entertainment, groceries, and even popular streaming services, which makes it a top pick for everyday spenders. I also love the simplicity of earning straight cash back—no need to worry about point transfers or reward charts. For anyone who wants a straightforward card that provides great rewards in every category, the Capital One Savor is an absolute win.
[.pro] Earn 3% cash back on dining, entertainment, grocery stores, and streaming services with no annual fee [.pro]
[.pro] Simple cash-back rewards without the hassle of points or tiers [.pro]
[.con] Some people may prefer flat-rate cash back cards for simpler rewards on all purchases [.con]
[.redeem] 8% [.redeem] cash back per $1 on Capital One Entertainment purchases
[.redeem] 5% [.redeem] cash back per $1 on hotels and rental cars booked through Capital One Travel
[.redeem] 3% [.redeem] cash back per $1 at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment, and popular streaming services
[.redeem] 1% [.redeem] cash back per $1 on all other purchases
[.dontreco] We don’t recommend: Using the card for non-bonus categories [.dontreco]
While you’ll earn 1% cash back on all purchases, using the card outside its bonus categories won’t give you the best value. Try to stick to its strength areas.
[.sometimesreco] We sometimes recommend: Leveraging entertainment and dining deals [.sometimesreco]
The Savor shines when used for dining and entertainment purchases, but keeping an eye on seasonal promotions or special offers from Capital One can boost your cash back even more.
[.alwaysreco] We always recommend: Maximizing dining, groceries, entertainment, and streaming [.alwaysreco]
This card’s bread and butter is its 3% cash back on dining, groceries, entertainment, and streaming services. Make sure you’re using the card in these categories to maximize your rewards.
The Capital One Venture X is the perfect complement to your Savor Cash card, especially if you’re looking for luxury travel perks. While the Savor has solid cash back in everyday categories like dining, groceries, and streaming, the Venture X takes care of your travel needs with access to participating Priority PassTM lounges (after enrollment) and Capital One Lounges. This pairing gives you the best of both worlds — cash back for day-to-day spending and elevated travel experiences. You’ll also get miles on every purchase with the Venture X, so for any categories where the Savor doesn’t earn cash back, this card steps in. Plus, it offers an annual travel credit for bookings through Capital One Travel, and an anniversary bonus, giving you extra incentives to use both cards together.
Why? The Venture card gives you flexibility and travel perks, while the Savor covers your day-to-day expenses. While the Savor earns cash back in categories like dining and entertainment, the Venture offers unlimited miles on every purchase, perfect for any spending outside those bonus categories. You can redeem miles for travel, covering flights, hotels, and more, and even transfer them to Capital One's travel partners. Pairing these two cards means you’re earning rewards on everything, without leaving any points on the table. The Venture’s welcome offer (after meeting the spending requirement) and travel flexibility combine perfectly with the Savor’s cash-back simplicity. Together, they create a solid duo for maximizing rewards both at home and on the go.
1. The Cash-Back Newbie
If you're just starting to explore cash-back rewards, the Capital One Savor Cash Rewards Card is a solid choice. With no annual fee and an easy-to-understand rewards structure, it’s perfect for anyone looking to make the switch from basic credit cards to a more rewarding one.
2. The Foodie Traveler
Are you someone who is always planning their next meal? Because same. If so, the Savor Cash Rewards Card is your perfect dining companion. With generous cash back on dining and entertainment, it allows you to earn rewards while eating out.
3. The Occasional Entertainer
If you love hosting gatherings or going out occasionally with friends, the Savor Cash Rewards Card is ideal for turning those social activities into rewards. With solid cash back on entertainment, every movie night, concert, or get-together becomes an opportunity to earn. Let’s say you throw a party with food and drink costs. By using your Savor card, you can earn cash back just for having fun with friends. Plus, you’ll get that cash back to use on future outings or savings for your next trip. The Capital One Savor Cash Rewards Card is a great way to make your entertaining habits pay off.
Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Savor Cash, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
A good to excellent credit score is recommended for the Capital One Savor Cash Card. But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. And in reality, this is what we would call a "started card." We’ve known several people to be rejected on their first application, use the reconsideration line, and be granted the Capital One Savor Cash Card. The worst they can say is “no,” and more often than not, we’ve found these people want to help!
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