Capital One Savor
Capital One · Cashback review
Readers who spend heavily on dining, groceries, and entertainment and want 3% back with no annual fee — the $0 AF answer
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
18.49% – 28.49% variable
Variable — verify the current range at the issuer
Intro APR
0% on purchases and balance transfers for 12 months
Then the ongoing APR applies
As of July 22, 2026
Best for
Readers who spend heavily on dining, groceries, and entertainment and want 3% back with no annual fee — the $0 AF answer that quietly out-earns most flat-rate cards for food-heavy households, plus a $250 welcome bonus (spend $500 in 3 months) and 5% on hotels/rental cars/vacation rentals via Capital One Travel.
Not for
Lower-dining-spend households (a flat 2% card like Citi Double Cash returns more once dining drops below ~$3,000/yr) and travelers planning international use (no foreign transaction fee — actually a green flag here, but you'll still want a travel card alongside).
The catch
The 3% dining/grocery/entertainment/streaming categories are real and uncapped, and the 5% Capital One Travel rate is frictionless if you book through the portal. The 8% Capital One Entertainment rate only applies to tickets bought on Capital One's own ticketing platform — the old Vivid Seats-branded 8% partnership ended in January 2023, so don't expect that specific deal.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Intro APR
- 0% on purchases and balance transfers for 12 months
- Ongoing APR
- 18.49% – 28.49% variable
- Foreign transaction fee
- None
- Balance transfer fee
- 3% (intro), then 4%
- Late payment fee
- Up to $40
- Schumer Box sourced
- July 22, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Capital One Savor's offer changes.
We track Capital One Savor's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Capital One Savor charge an annual fee?
No. The Capital One Savor carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 22, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Capital One Savor charge?
18.49% – 28.49% variable. There is also an intro rate: 0% on purchases and balance transfers for 12 months. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Capital One Savor charge foreign transaction fees?
No. The Capital One Savor has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Capital One Savor best for?
Readers who spend heavily on dining, groceries, and entertainment and want 3% back with no annual fee — the $0 AF answer that quietly out-earns most flat-rate cards for food-heavy households, plus a $250 welcome bonus (spend $500 in 3 months) and 5% on hotels/rental cars/vacation rentals via Capital One Travel.
Who should skip the Capital One Savor?
Lower-dining-spend households (a flat 2% card like Citi Double Cash returns more once dining drops below ~$3,000/yr) and travelers planning international use (no foreign transaction fee — actually a green flag here, but you'll still want a travel card alongside).
How did ClearValue score the Capital One Savor?
Capital One Savor scored 84/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Capital One Savor
Other cashback cards we've scored, ranked by our methodology.
- DiscoverCanon
Discover it Secured
90/100Annual fee$0Ongoing APR26.49%Intro APR10.99% · 6 moBest forCredit-builders who want a $0 AF secured card that reports to all three bureaus, earns rotating-category cashback, AND g
Fees sourced from issuer terms · 2026-08-15
- Capital OneSolid pick
Capital One Quicksilver Secured
89/100Annual fee$0Ongoing APR28.99%Foreign txn feeNoneBest forCredit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-07-15
- CitiSolid pick
Citi Double Cash
89/100Annual fee$0Ongoing APR17.49–27.49%Intro APR0% · 18 moBest forReaders who want one flat-rate no-fee cashback card and aren't interested in tracking categories
Fees sourced from issuer terms · 2026-07-15
