What you get
Rewards and benefits
How it earns
Earn unlimited 3% cash back on food and fun, plus a $200 cash bonus Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services. Earn unlimited 1% cash back on all other purchases and rewards don’t expire for the life of the account. Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
- Dining and grocery rewards
- Entertainment rewards
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Advertised credit profileGood to excellent credit
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Capital One makes every lending decision.
- Annual fee and first-year pricing
- $0 annual fee Plus, there are no foreign transaction fees on purchases made outside of the United States.
- Purchase APR
- 0% intro APR for 12 months on purchases and balance transfers; 18.74% - 28.74% variable APR after that; Balance transfer fee applies. See pricing and terms for details.
- Introductory APR and duration
- 0% intro APR for 12 months on purchases and balance transfers; 18.74% - 28.74% variable APR after that; Balance transfer fee applies. See pricing and terms for details.
- Balance transfers and fees
- 0% intro APR for 12 months on purchases and balance transfers; 18.74% - 28.74% variable APR after that; Balance transfer fee applies. See pricing and terms for details.
- Foreign transaction fee
- Plus, there are no foreign transaction fees on purchases made outside of the United States. No Foreign Transaction Fees You won’t pay a transaction fee when making purchases outside of the United States.
- Redemption options and restrictions
- Rewards don’t expire for the life of the account, and you can redeem cash back for any amount. Earn unlimited 1% cash back on all other purchases and rewards don’t expire for the life of the account.
- Bonus eligibility and restrictions
- Upon approval, eligible Savor primary account holders earn a $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. This one-time bonus is available by applying through this page, and may not be available if you navigate away from or close this page. Once you qualify for this bonus, we will apply it to your rewards balance within two billing cycles. Existing or previous cardmembers are not eligible for this bonus if they have received a new cardmember bonus for this product in the past 48 months.
- Other conditions
- $0 annual fee 3% cash back at grocery stores, on dining & entertainment and 1% on other purchases Earn a $200 cash bonus Low intro APR for 12 months
Conditions to know
- Rewards categories and merchant definitions are set by Capital One.
- See current terms for welcome bonus and any introductory APR.
- Capital One may offer pre-approval without a credit score impact, subject to terms.
Recorded from Capital One’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Savor Cash Rewards Credit Card
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
