Savor Rewards: 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.
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.
Savor Rewards is a great choice if you spend a lot on dining, entertainment, streaming, and groceries. It earns 3% cashback across these everyday categories with no need to track rotating bonuses. The card is easy to use and works well for people whose spending is centered around food, fun, and subscriptions. However, it’s less appealing if you want a simple flat-rate card for all purchases or spend more in categories like gas or travel. If your everyday lifestyle spending matches these categories, this card can deliver consistent, high value.
Savor Rewards
Apply now
On Capital One's Secure Website
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
Welcome Offer
- Limited-Time Offer: Earn a $250 bonus after spending $500 in the first 3 months.
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.
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.
- Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
- 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.
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.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
Related Card Options
- 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.