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For folks who want to earn extra cash back on the food they eat and the entertainment they enjoy, the Capital One Savor Cash Rewards Credit Card delivers outstanding value. This $0-annual-fee card features robust ongoing rewards and some compelling perks.
Here's what to know about the benefits.
🤓 Nerdy Tip
Prior to Oct. 22, 2024, the $0-annual-fee Capital One Savor Cash Rewards Credit Card, discussed here, was known as the Capital One SavorOne Cash Rewards Credit Card. Up to that point, Capital One offered two Savor-branded cards — the "Savor," which had an annual fee, and the "SavorOne," which did not. Capital One stopped taking applications for the annual-fee version in July 2024. Then, in October 2024, the former SavorOne card took on the Savor name. Finally, Capital One revived the SavorOne moniker in 2025 for a version of the card designed for people with fair or average credit. Spending rewards
1. Bonus cash back on dining and entertainment
The food- and entertainment-centered cash-back rewards are the stars of the show:
- 3% cash back on dining.
- 3% cash back at grocery stores.
- 3% cash back on entertainment.
- 3% cash back on streaming services.
- 8% cash back on Capital One Entertainment purchases.
- 1% cash back on other purchases.
These bonus categories are especially tantalizing because Capital One's definitions of “dining and entertainment” are relatively broad. According to the issuer:
- "Dining" includes purchases made at restaurants, cafes, bars, lounges, fast-food chains and bakeries.
- "Entertainment" includes purchases made at movie theaters, certain live sports events, certain theater productions, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys.
The card doesn’t have any minimum redemption requirement. That means you can redeem cash back in any amount.
2. Bonus cash back on certain travel bookings
This card also earns 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. Terms apply.
3. Offers for new cardholders
The Capital One Savor Cash Rewards Credit Card comes with an attractive bonus offer for new cardholders, as well as a 0% introductory APR period, which can give you some extra time to pay down a major purchase interest-free. Here's what you get:
- Sign-up bonus: For a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
- 0% APR offer: You get 0% intro APR on purchases and balance transfers for 12 months; 18.49%-28.49% variable APR after that; balance transfer fee applies.
Travel- and shopping-friendly features
The Capital One Savor Cash Rewards Credit Card isn't marketed as a travel cards, but it can still help you when you do travel.
4. No foreign transaction fees
Like all Capital One credit cards, this one doesn’t charge foreign transaction fees. That means that you won’t have to deal with any 3% charges while making international purchases.
5. Travel protections and assistance
The card also offer travel accident insurance and complimentary concierge service.
6. Shopping protections and assistance
With this card, you'll also get an extended warranty perk on purchases, plus access to comparison shopping tools for online purchases.
Perks and other offers
7. Exclusive access
The Capital One Savor Cash Rewards Credit Card can grant cardholder-only access to things like special dining experiences, music concerts and sporting events. Capital One Entertainment allows eligible Capital One cardholders to redeem credit card rewards for tickets and exclusive experiences at sports games, music performances and other events.
