Capital One Savor
By Alex Compton · Last verified
No-annual-fee cash back on eligible food, entertainment and streaming purchases
Welcome Bonus
$200
≈$200 value
Spend Requirement
$500
in 3 months
Annual Fee
$0
No FTF
Credit Score
Marketed
for excellent credit; a particular score does not guarantee approval
Current offer note: $200 after $500 in purchases within three months; no new-cardmember bonus for this product received in the past 48 months. This public Savor offer is separate from Good Credit and Student versions.
Common Questions
What is the current Capital One Savor bonus?
The public offer checked October 23, 2026 is $200 after $500 in purchases within three months. A new-cardmember bonus for this product received in the past 48 months makes an applicant ineligible for this bonus.
Does Savor charge an annual or foreign transaction fee?
This Savor has neither fee. The current SavorOne is a separate product with a $39 annual fee, so check the exact card name and terms.
Does Savor earn 3% on groceries at Walmart or Target?
No. Capital One excludes superstores such as Walmart and Target from the grocery bonus category. Eligible grocery stores earn 3%, subject to merchant coding.
Does Savor for Good Credit have the same bonus?
No. Capital One explicitly says Savor for Good Credit does not receive new-cardmember bonus cash or the introductory 0% APR.
Does every Capital One presale earn 8% back?
No. The 8% rate requires eligible purchases through the Capital One Entertainment ticketing platform. Exclusive presales and direct Capital One Hall or Arena ticketing are excluded.
Does Savor earn 5% on flights?
Flights are not included in Savor’s advertised 5% Capital One Travel categories. The issuer guide lists hotels, vacation rentals, rental cars and activities booked through the portal.
Is Savor’s balance-transfer promotion fee-free?
No. The public offer has a 12-month 0% introductory APR, but a balance-transfer fee applies. Check the application disclosures and your promotional end date.
Is Savor better than a 2% cash-back card?
For a mix of only 3% and 1% purchases, it earns more when over half of spending qualifies for 3%, assuming equal costs. It ties at half and earns less below half. Portal purchases, bonuses, interest and fees change the comparison.
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered $250 before; the current $200 is below its typical $250. Elevated offers have been rare lately, so waiting is a gamble.
Current offer
$200
All-time high
$250
Typical offer
$250
In place since
September 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-23 | $200 | $500 in 3 mo | Terms reconfirmed$200 after $500 in purchases within three months; no new-cardmember bonus for this product received in the past 48 months. This public Savor offer is separate from Good Credit and Student versions. | Capital One Savor product page → |
| 2026-09-04 | $200 | $500 in 3 mo | Bonus decreased: $250 → $200$200 public online offer; 48-month product-bonus restriction applies | Capital One Savor product page → |
| 2026-06-12 | $250 | $500 in 3 mo | Terms reconfirmed$250 elevated public offer | Archive record · no attached snapshot |
| 2026-01 | $250 | $500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-10 | $250 | $500 in 3 mo | Earliest recordSavorOne renamed to Savor | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Reconfirmed $200 after $500 in three months and no annual/foreign fees. Distinguished Savor variants, category and portal exclusions, intro APR and conditional rewards combining. Replaced unsupported value claims with explicit spending math and corrected the related comparison and two guide blurbs without renewing their full-review dates.
Fields: currentOffer, offerHistory, lastVerified, creditScore, tagline, earningRates, benefits, pros, cons, ourTake, bestFor, editorialReview
Capital One Savor public offer, product-family and reward terms → - changed
Recorded the public offer decrease from $250 to $200 and added current Capital One Travel, Entertainment and introductory APR terms.
Fields: currentOffer, offerHistory, earningRates, benefits, lastVerified
Capital One Savor product page →
Source checked 2026-10-23 · spot an outdated offer? Report a correction above.
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Earning Rates
- 8%Eligible Capital One Entertainment ticket purchasesPay through the ticketing platform; exclusive presales and direct Capital One Hall/Arena ticketing are excluded
- 5%Hotels, vacation rentals, rental cars and activities via Capital One TravelPortal booking required; flights are not included in this 5% category
- 3%Eligible dining, grocery stores, entertainment and popular streamingGrocery excludes superstores such as Walmart and Target; merchant coding and other exclusions apply
- 1%Other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No annual fee or foreign transaction fee
- ✦0% introductory APR for 12 months on purchases and balance transfers; then a variable APR applies, and transfers carry a fee
- ✦Cash rewards can be redeemed for a statement credit or check; rewards do not expire while the account remains open and in good standing
Why it earns its spot
- +Unlimited 3% across several everyday categories
- +No annual fee or foreign transaction fee
- +Cash redemption does not require an airline award search
Where it costs you
- −Superstores such as Walmart and Target do not qualify for the grocery bonus
- −Purchases outside bonus categories earn 1%
- −Higher portal rates require eligible bookings and may not offset a higher total price
The Compound Verdict
Savor is useful when eligible dining, grocery, entertainment and streaming purchases make up a large part of your budget. Its $0 annual fee makes the cash return straightforward to compare. Check where you actually shop: a grocery budget spent at excluded superstores will not earn the advertised 3%. A flat-rate card can do better when most spending falls outside the bonus categories. Treat any second-card travel strategy as a separate decision with its own fees and redemption value.
Current Savor bonus and eligibility
The public offer verified October 23, 2026 is $200 after $500 in purchases within three months of opening. Capital One excludes applicants who received a new-cardmember bonus for this product in the past 48 months and says the reward posts within two billing cycles after qualification. The card has no annual or foreign transaction fee. Follow the current application terms: an eligibility-check offer can differ from the public offer. Earlier $250 observations below are historical.
Current public offer and bonus conditionsSavor, SavorOne and Good Credit are different offers
This review covers Savor marketed for excellent credit. Savor for Good Credit also has a $0 annual fee but explicitly excludes the new-cardmember cash bonus and introductory 0% APR. The current SavorOne is a separate fair-credit product with a $39 annual fee; Student has its own application and offer. Do not apply the terms of one version to another. Capital One’s eligibility check does not affect your credit score, but no numeric score alone guarantees approval.
Compare the current Savor product versionsWhere the 3% categories work, and where they do not
Eligible dining, grocery, entertainment and popular streaming purchases earn 3%; other purchases earn 1%. Grocery shopping at superstores such as Walmart and Target is excluded. Dining inside a larger establishment or a transaction routed through a third party may use a different merchant code. Ordinary entertainment excludes golf courses and collegiate sporting events. Some on-demand, audiobook and fitness subscriptions do not qualify as streaming. Check the merchant classification before building a rewards budget.
Category definitions and exclusionsThe 8% ticket rate is a separate booking channel
The higher entertainment rate applies to eligible tickets purchased through the Capital One Entertainment platform and paid for with the eligible card. Exclusive presales and direct Capital One Hall or Arena ticketing are excluded. That distinction matters: access to a cardholder presale is not a promise of 8% back. Compare the total ticket price, fees and refund rules with other sellers. A $108 ticket earning 8% has a $99.36 net cost; a $95 ticket elsewhere can still cost less even before rewards.
Ticketing eligibility and exclusions; illustrative net-cost comparisonTravel rewards depend on the booking channel
Capital One’s Savor guide lists 5% on hotels, vacation rentals, rental cars and activities booked through Capital One Travel. Flights are not in that 5% list. A direct hotel booking does not qualify for the portal rate merely because it is travel. Compare the final price and cancellation terms, and confirm any hotel loyalty treatment before booking. A larger rewards percentage is useful only when the overall booking still works for your trip.
Capital One Travel categoriesIntroductory APR does not remove transfer fees
The public Savor offer advertises 0% APR for 12 months on purchases and balance transfers, followed by a variable 18.74%–28.74% APR based on creditworthiness. A balance-transfer fee applies; check its current amount in the application disclosures before moving debt. Minimum payments remain due during an introductory period. For a hypothetical $1,200 purchase with no other balance or fees, budgeting $100 per month over 12 months would repay the principal; make payments on time and finish before your actual promotional end date.
Introductory financing and variable APR; illustrative repayment mathStart with cash value before considering another card
Savor rewards can be redeemed as a statement credit or check. Capital One also describes combining rewards between linked eligible accounts. If you hold a miles card, confirm the available transfer options and conversion terms in your own account before planning a pairing. Do not assume every account combination works, that a second card is free, or that an airline redemption will beat cash. Compare an actual available award, including taxes, with the cash price you would otherwise pay.
Cash redemption and linked-account rewardsWhen Savor beats a flat-rate card
Consider $600 a month in eligible 3% categories and $400 at 1%. That earns $22 monthly or $264 annually, before a welcome bonus, interest or fees. A hypothetical 2% card on the same $12,000 yearly spending earns $240, a $24 difference. With only 3% and 1% spending, Savor ties 2% when half the spending qualifies for 3%; above half it earns more, below half it earns less. This assumes equal costs and cash redemption, and excludes the separate portal rates. A fee-bearing points card needs its own calculation using a realistic redemption value and benefits you would actually use.
Published earning rates; illustrative spending and break-even calculationReview details and sources updated 2026-10-23
This scoped update covers fees, benefit rules and application guidance. The offer record retains its separate verification date.
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