Capital One Savor
Capital One · Cashback review
Readers who spend heavily on dining and entertainment and want 3% back with no annual fee — the $0 AF answer that quietl
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
19.24% – 29.24% variable
Variable — verify the current range at the issuer
Intro APR
0% on purchases and balance transfers for 15 months
Then the ongoing APR applies
As of June 29, 2026
Best for
Readers who spend heavily on dining and entertainment and want 3% back with no annual fee — the $0 AF answer that quietly out-earns most flat-rate cards for restaurant-heavy households.
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 category is real, but the 8% Vivid Seats entertainment carve-out is the marketing showpiece — almost no one actually uses Vivid Seats. Score the card on the dining + 1% baseline; treat Vivid Seats as a bonus you won't unlock.
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 15 months
- Ongoing APR
- 19.24% – 29.24% variable
- Foreign transaction fee
- None
- Balance transfer fee
- 3% (intro), then 4%
- Late payment fee
- Up to $40
- Schumer Box verified
- June 29, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
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 June 29, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Capital One Savor charge?
19.24% – 29.24% variable. There is also an intro rate: 0% on purchases and balance transfers for 15 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 and entertainment and want 3% back with no annual fee — the $0 AF answer that quietly out-earns most flat-rate cards for restaurant-heavy households.
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 whether an honest weakness is 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
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90/100Annual fee$0Ongoing APR28.24%Intro APR10.99% on balance transfers for 6 monthsBest 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 · 2026-06-29
- Capital OneSolid pick
Capital One Quicksilver Secured
89/100Annual fee$0Ongoing APR29.99%Foreign txn feeNoneBest forCredit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-06-29
- Capital OneSolid pick
Capital One SavorOne Cash Rewards
89/100Annual fee$0Ongoing APRVariable*Foreign txn feeNoneBest forDining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and
Fees sourced from issuer terms · 2026-07-08
