Credit card directory

Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards card has no annual fee and pays 3% cash back on dining, at grocery stores, on entertainment and on popular streaming services, 8% on Capital One Entertainment purchases, 5% on Capital One Travel hotels, rentals and activities, and 1% elsewhere.

Facts read from the Capital One official Savor card page on October 22, 2026. How we check them: methodology.

Earn rates, as the issuer prints them

Four separate 3% lanes cover much of a household's discretionary spending. The 8% Capital One Entertainment line is the highest cash back rate in this directory, but it applies only to purchases made through that platform. Everything outside the listed lanes, gas included, earns 1%, so the card leans on what the household eats and does for fun. The 5% Capital One Travel line covers hotels, vacation rentals, rental cars and activities booked through the portal. Airfare is not on it, so flights earn 1% unless they fall into another listed lane.

A year of spending on this card, worked out

Arithmetic illustration with stated inputs: $400 a month at grocery stores, $250 on dining, $60 on streaming and entertainment, and $700 on other purchases returns $144 + $90 + $21.60 + $84 = $339.60 a year. On a flat 1.5% card, the same $16,920 returns $253.80, so for this mix the 3% lanes add $85.80.

Welcome offer as published

As published on the issuer page: $200 cash bonus after you spend $500 on purchases within 3 months of opening the account.

Savor's page listed a $200 cash bonus for $500 of purchases in the first three months, which works out to roughly $167 of spending per month, and matches what the Quicksilver page showed that day. With the threshold that low, the difference between the two cards is the earn table, not the bonus. The qualifying spend earns its own cash back, $15 if all of it falls in the 3% lanes. With no annual fee, the bonus is not offsetting a recurring cost, and a household whose spending fits the 3% lanes keeps that advantage every year after the bonus is paid.

Who this earn structure suits

People whose discretionary spend is dining out, groceries and entertainment, the three lanes this card pays 3% on with no annual fee and no caps printed on the page checked. Streaming services also earn 3%, which most grocery-and-dining cards leave at the base rate.

The traps to check in your account

• Capital One sets the redemption options and minimums; confirm them in your account.
• Gas stations are not one of the 3% lanes on the page checked, so fuel earns 1% on this card.
• Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.