Savor Rewards from Capital One: 3% Cashback on Dining, Groceries, and Entertainment

For a limited time, earn a $250 bonus after spending $500 in the first three months. Earn 3% cashback on dining, entertainment, grocery stores, and popular streaming services – with no annual fee and simple, everyday rewards.

Olena
By Olena | Jun 25, 2026 at 1:29 AM EST

The Bottom Line

4.7
BIG4CREDIT RANKING Our 5-star rating is based on Big4credit’s independent, data-driven scoring system. Each card is evaluated across multiple weighted categories – including rewards, fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections. Ratings are determined solely by our research and analysis and are never influenced by card issuers or advertisers. Read about our ranking system in the Credit Card Ranking & Methodology section.
This is a great choice for people who spend heavily on dining, entertainment, streaming, and groceries. It earns 3% cashback in these categories with no rotating bonuses to track. The card works well for spending centered around food, entertainment, and subscriptions. However, it's less appealing if you prefer a flat-rate card or spend more on gas or travel. If your spending aligns with these categories, this card can deliver strong value.
Savor Rewards from Capital One
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Savor Rewards from Capital One
Annual fee:   $0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

18.49% - 28.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback on grocery stores, dining, entertainment, and select streaming services. Additionally, earn 8% cashback on Capital One entertainment purchases and 5% cashback when you book hotels, vacation rentals, and rental cars through Capital One Travel. Plus, 1% cashback on all other purchases.

1% - 8% Cashback

Welcome Offer Limited-time offer: Earn a $250 bonus after spending $500 in the first 3 months.

$250

Pros and Cons

Pros:

  • Unlimited 3% cashback bonus categories
  • No annual fee
  • No foreign transaction fees
  • $250 sign-up bonus
  • Intro 0% APR on purchases and balance transfers
  • Extended warranty coverage

Cons:

  • Potential for high APR
  • Base earnings rate is just 1%

Welcome Offer

Limited-Time Offer: Earn a $250 bonus after spending $500 in the first 3 months.

» MORE: Capital One Savor Limited-Time Offer: $250 Cash Bonus After $500 Spend

Rewards

  • 3% Cashback:
    • Grocery Stores
    • Dining
    • Entertainment
    • Select Streaming Services
  • 8% Cashback on Capital One Entertainment purchases.
  • 5% Cashback on hotels, vacation rentals, and rental cars booked through Capital One Travel.
  • 1% Cashback on all other purchases.

Big4credit Tip: Use this card primarily for bonus-category purchases. For everyday spending outside those categories, a flat-rate cashback card may earn more rewards.

Redemption Options

Flexible Redemption: Redeem rewards for cash, gift cards, travel, experiences, purchases at Amazon.com, PayPal checkout, and more.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 12 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 18.49%, 24.49%, and 28.49% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: 3% of each transferred amount that posts to your account within the first 12 months of account opening, then 4% on future promotional balance transfers.
  • Regular Balance Transfer Fees: After the introductory period, balance transfers made at the standard purchase APR are not subject to a balance transfer fee.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Hertz Five Star® Status: Enjoy complimentary Hertz Five Star® status just for being cardholder. Skip the rental counter at selected locations, get access to a wider range of vehicle, and enjoy faster service and special upgrades when available.
  • Flight Price Drop Protection: If a flight price drops within 10 days of booking through Capital One Travel, you may receive up to $50 in travel credit.
  • Price Match Guarantee: Eligible bookings through Capital One Travel can be price-matched if a lower price is found.

Travel Protections

Travel Accident Insurance: Get automatic insurance for covered losses at no extra cost when you use your card to purchase your fare.

Travel & Emergency Assistance

Emergency Card Services: 24/7 assistance for emergency card replacement and cash advances if your card is lost or stolen.

Purchase Protections

Extended Warranty: Get extra warranty protection at no cost on eligible items you purchase with your card.

Lifestyle Perks

Concierge Service: Get 24/7 concierge assistance for dining, entertainment, and travel requests.

Convenience Features

  • Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
  • Automatic Credit Line Reviews: Eligible accounts may be periodically reviewed for credit line increases based on eligibility and account history.

Nice Extras

  • Capital One Travel: Integrated travel booking portal with price prediction tools.
  • Entertainment Access: Capital One Entertainment® (presale ticket access and occasional exclusive events).
  • Capital One Dining: Access to select restaurant reservations and curated dining experiences.
  • Capital One Café Perk: 50% off handcrafted drinks at Capital One Café locations.

Shopping & Savings

  • Capital One Shopping: An online shopping tool that automatically applies available coupon codes to help you save at checkout.
  • Capital One Offers: Targeted merchant offers that may provide statement credits or bonus rewards on qualifying purchases. Offers vary by card and availability.

» MORE: Capital One Shopping Offers: Real Experience – What Works and What Doesn’t

Additional Features

  • Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
  • CreditWise by Capital One: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.

Ratings

  • Net Value & Cost Efficiency: 6.7/10
  • Rewards & Earnings Power: 9.3/10
  • Welcome Bonus Value: 8.5/10
  • First-Year Earning Boost: 0/10
  • APR & Interest Structure: 8/10
  • Simplicity & Transparency: 9.7/10
  • Perks, Benefits & Protections: 3.6/10
  • Issuer Credibility & Stability: 7.3/10
  • Installment & BNPL Features: 0/10
  • Eligibility & Approval Accessibility: 7.5/10

Terms and Conditions

Click Apply Now to see the terms and conditions.

  • Savor Rewards for Students offers similar elevated cashback on dining, entertainment, streaming, and grocery purchases, with student-friendly approval requirements. It is designed for students who want straightforward rewards without an annual fee.

EarnSmart Rewards Strategy

  • Cash+® Visa Signature®: Earn 5% cashback in two categories of your choice, making it a strong complement for recurring expenses such as utilities, internet, or streaming services.
  • Discover it®: Earn 5% cashback on rotating quarterly categories (activation required), adding bonus rewards on categories like Amazon, home improvement stores, gas, and Target.
  • Freedom Flex®: Adds a second rotating 5% category calendar, creating additional opportunities to earn elevated rewards throughout the year.

Capital One 360 Checking

Capital One bank accounts pair well with the Savor Rewards credit card for users who prefer to keep their banking and rewards setup within the same ecosystem. Capital One offers a simple, fee-free checking option that complements its credit card products.

  • Capital One 360 Checking is a popular no-fee checking account with no monthly maintenance fees and no minimum balance requirements. It now offers a $300 welcome bonus with qualifying direct deposits for new customers.

Capital One credit card customer service: 1-800-227-4825

» MORE: See Big4credit’s best cash back credit cards

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