The Capital One Savor is a no-annual-fee card that earns 3% cash back on dining, entertainment, popular streaming, and groceries, plus more through Capital One Travel and Entertainment. Figures are as of 2026; confirm current terms and welcome offers at the issuer.
What the Capital One Savor earns
| Category | Rate |
|---|---|
| Dining, entertainment, streaming, and groceries | 3% cash back |
| Hotels and rental cars via Capital One Travel | 5% cash back |
| Capital One Entertainment purchases | 8% cash back |
| Everything else | 1% cash back |
The credits and perks
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The Savor has no annual fee and no foreign transaction fees. Its value is the broad 3% on dining, entertainment, streaming, and groceries, which covers most everyday food and fun spending. Capital One Travel and Capital One Entertainment add higher rates on hotels, rental cars, and event tickets. Before you apply, check Capital One’s application rules.
The fee math
With a $0 fee, the Savor has no break-even to clear; every category bonus is profit. It works well as a no-fee everyday card, and pairs with a premium Capital One card if you later want to turn the cash back into transferable miles. Confirm current earn rates at the issuer.
Capital One Savor
Earn rates, credits, and the fee are current as of 2026. Confirm the current welcome offer at the issuer before you apply.
Who it fits and who it does not
The Savor fits anyone who spends on dining, groceries, and entertainment and wants no annual fee. It does not fit someone who mainly wants transferable travel points on its own, though Capital One miles become transferable when paired with a Venture card.
More card guides
Capital One Savor vs Amex Gold
Both reward food spending. The Savor does it with no annual fee; the Amex Gold charges $325 and pays a higher rate in transferable points.
| Category | Capital One Savor | Amex Gold |
|---|---|---|
| Annual fee | $0 | $325 |
| Rewards | 3% dining, entertainment, streaming and groceries | 4x dining and U.S. supermarkets, 5x prepaid hotels through Amex Travel, 3x flights |
| Credits | None | Dining and Uber Cash credits |
| Rewards type | Cash back, or miles when paired with a Venture card | Transferable Membership Rewards points |
Pick the Savor for strong food rewards with no fee to justify. Pick the Gold if you spend heavily on dining and groceries, will use its credits, and want points that transfer to airlines and hotels. The Gold pays off only when your food spending and credit use clear the $325 fee, which makes the Savor the safer default. Confirm current terms at each issuer.
FAQ
Does the Capital One Savor have an annual fee?
No. The Capital One Savor has no annual fee, so every 3% or higher category is pure return. Confirm current terms at Capital One.
What does the Capital One Savor earn?
It earns 3% on dining, entertainment, streaming, and groceries, 5% on hotels and rental cars booked through Capital One Travel, 8% through Capital One Entertainment, and 1% on everything else. Confirm current rates at the issuer.
Can Capital One Savor cash back become travel miles?
On its own the Savor earns cash back. If you also hold a Capital One Venture card, you can move rewards into transferable miles. Confirm current pairing rules at Capital One.
Is the Capital One Savor or the Amex Gold better?
The Savor for a no-fee everyday food card. The Amex Gold for heavy food spenders who use its dining and Uber Cash credits and want transferable points. Confirm current terms at each issuer.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
We re-check these guides as issuer rules and award charts change. 2 ways to follow along, no account needed.