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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Capital One Savor credit card review: A no-annual-fee card for food and entertainment
Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
June 10, 2026 • 8 min read
ETHAN MILLER/GETTY IMAGES
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Editorial note: This post has been updated with the latest credit card information and offers.
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Quick summary
A recently rebranded cash-back card offers strong rewards at dining, entertainment, streaming services and grocery stores, with no foreign transaction fees.
The card stands out for its bonus categories and includes perks like rental car insurance, roadside assistance and a 24/7 concierge service.
Redemption options are flexible, including statement credits, gift cards and select online merchants, with the potential to convert cash back to travel rewards if paired with a compatible travel-focused card.
This product is particularly appealing to those who prioritize dining and entertainment in their spending.
What to consider
Eligibility may be restricted by specific application rules, and good to excellent credit is recommended for approval.
Bonus rewards exclude purchases at superstores such as Walmart and Target, as well as certain streaming services.
The card does not offer points or miles transfer partnerships directly, but pairing with a compatible travel card can unlock additional value.
What you'll miss from the article
A detailed comparison of competing cash-back and travel rewards cards, including which is best for your spending habits.
Generated by AI with support from our editorial team.
The Capital One Savor Cash Rewards Credit Card is a solid no-annual-fee card that's great for those who regularly spend on dining and entertainment. It offers bonus rewards on dining, entertainment, popular streaming services and grocery store purchases, making it a good starter product for foodies and regular concertgoers. Card rating*: ⭐⭐⭐½
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Capital One has a nuanced system of card names and products that can be confusing for many people. In July 2024, Capital One discontinued the Capital One Savor Rewards Credit Card (which incurred a $95 annual fee).
In October 2024, Capital One rebranded the Capital One SavorOne Cash Rewards Credit Card into the Capital One Savor Cash Rewards Credit Card. The "rebranded" Savor card retains all its perks and earning structure, and it comes with a refreshed card design.
If you don’t want to pay an annual fee but want to earn a solid cash-back return on meals, groceries and entertainment, the Savor is a great choice.
Before we dig in, it’s worth noting that applicants will want good to excellent credit; TPG recommends a credit score of 670 to 850 for the best chance at approval.
Now, let’s see if this is the card for you.
The information for the Savor Rewards (with a $95 annual fee) and the SavorOne has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Capital One Savor pros and cons
Pros
Cons
No annual fee
Bonus categories
No foreign transaction fees
Requires good to excellent credit
No transfer partners
Capital One Savor welcome offer
New Capital One Savor cardholders can earn a $200 cash bonus after spending $500 on purchases in the first three months from account opening.
THE POINTS GUY
Capital One has some interesting application rules that might restrict your eligibility for this card, so keep these restrictions in mind to maximize your chances of approval.
Capital One Savor benefits
The Savor is a no-annual-fee card that comes with some nice perks. For starters, it can be used abroad, as there are no foreign transaction fees. Essentially, this means that you should continue to earn 3% cash back on international dining, so long as the merchant codes as dining.
Cardholders also enjoy MasterRental rental car insurance coverage, Master RoadAssist roadside service and extended warranty protection.
UNIVERSAL IMAGES GROUP/GETTY IMAGES
If you need help making a restaurant reservation, buying concert tickets or planning travel, you can call the card’s concierge service 24 hours a day, 365 days a year. It’s certainly not the norm for a no-annual-fee card to have a concierge service, so this is a nice perk if you can take advantage of it.
The Capital One Savor offers generous bonus categories when compared to other no-annual-fee, cash-back cards and even some cards that do have annual fees. The real highlight is the higher amount of cash back earned in the dining and entertainment categories, though you can also get some value with extra cash back at grocery stores. You'll earn:
5% cash back on hotels, vacation rentals and rental cars booked with Capital One Travel
Although the definition of dining and entertainment is broad, as previously noted, don’t forget to read the card’s fine print. The Savor excludes Target and Walmart purchases, even if you’re just buying groceries from these stores. Likewise, certain streaming services are excluded.
Redeeming cash back with this card is simple. You can request options such as a statement credit or gift card, redeem your cash back directly on Amazon or redeem your cash back through PayPal.
Given the Savor's bonus earning rates, this can be a good rewards route to take, especially if you can leverage any of Capital One’s remaining transfer sweet spots.
If you prefer to earn Chase Ultimate Rewards points: The (see rates and fees) offers 2 points per dollar spent on select travel and 3 points per dollar spent on dining. It does have a $95 annual fee, but perks like an annual statement credit for eligible hotel purchases help offset that. To learn more, read our full review of the Chase Sapphire Preferred.
If you prefer to earn American Express Membership Rewards points: The offers more valuable rewards in popular foodie bonus categories, including 4 points per dollar spent on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1 point per dollar). Note, though, that it does have an annual fee of $325 (see rates and fees). To learn more, read our full review of the Amex Gold.
This is a great card to have if dining and entertainment are major spending categories for you. You can maximize your earnings if you also have a card that earns Capital One miles. However, if you’d rather have a flat earning rate on all spending without having to keep track of bonus opportunities, then other cash-back cards might be better suited for you.
The Capital One Savor Cash Rewards Credit Card is a strong option in the world of cash-back cards. Sure, you could get more value with other options, but what you gain in value, you lose in simplicity.
If you spend a lot on dining, entertainment and groceries each year and you’re interested in a simple cash-back card, the Savor card deserves a spot on your consideration list.
For rates and fees of the American Express Gold, click here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
