Savor Rewards
$200 cash bonus after you spend $500 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagecapitalone.com
“Earn unlimited 3% cash back on food and fun, plus a $200 cash bonus”
- Annual fee
- Issuer's pagecapitalone.com
“$0 annual fee”
- Purchase APR
- Issuer's pagecapitalone.com
“0% intro APR for 12 months on purchases and balance transfers; 18.49% - 28.49% variable APR after that; Balance transfer fee applies.”
- Foreign transaction fee
- Issuer's pagecapitalone.com
“No Foreign”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $220 | $215 |
| Typical spender | $520 | $515 |
| Heavy spender | $1,020 | $1,020 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 5x vacation rentals booked through Capital One Travel; not counted: 5x hotels booked through Capital One Travel.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 40% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$200 cash
After you spend $500 on purchases in your first 3 months.
One-time bonus for eligible Savor primary account holders. Available by applying through this page; it may not be available if you navigate away from or close the page. Once qualified, the bonus is applied to the rewards balance within two billing cycles. Existing or previous cardmembers are not eligible if they received a new cardmember bonus for this product in the past 48 months.
How you earn
- 5%hotels booked through Capital One Travel
- 5%vacation rentals booked through Capital One Travel
- 5%rental cars booked through Capital One Travel
- 3%grocery stores (excluding superstores like Walmart® and Target®)
- 3%dining
- 3%entertainment
- 3%popular streaming services
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagecapitalone.com “$0 annual fee” |
|---|---|
| Purchase APR | Issuer's pagecapitalone.com “0% intro APR for 12 months on purchases and balance transfers; 18.49% - 28.49% variable APR after that; Balance transfer fee applies.” |
| Intro APR | Issuer's pagecapitalone.com “0% intro APR for 12 months on purchases and balance transfers; 18.49% - 28.49% variable APR after that; Balance transfer fee applies.” |
| Balance transfer APR | Issuer's pagecapitalone.com “0% intro APR for 12 months on purchases and balance transfers; 18.49% - 28.49% variable APR after that; Balance transfer fee applies.” |
| Foreign transactions | Issuer's pagecapitalone.com “No Foreign” |
Carrying a balance? See how long it takes to pay off
Benefits
- No foreign transaction fees on purchases made outside of the United States.
Questions
- What is the annual fee?
- $0 capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. capitalone.com, since Sep 30, 2026
- What is the purchase APR?
- 18.49–28.49% APR capitalone.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 12 months. capitalone.com, since Sep 29, 2026
- Is there a welcome bonus?
- $200 cash back after $500 in purchases in 3 months. capitalone.com, since Sep 29, 2026
- What credit do you need?
- Excellent capitalone.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$195 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$135 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$110 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).