Capital One Savor Cash Rewards Credit Card
Capital One
No Annual Fee
Annual Fee
mastercardExcellentcash-backno-annual-feedininggroceriesentertainment17 days ago
Welcome Offer
$200Spend $500 within 3 months
OpenCard analysis
Is the Capital One Savor Cash Rewards Credit Card right for you?
The Capital One Savor Cash Rewards is a no-annual-fee cash-back card from Capital One. Its strongest everyday earning is 8% on Capital One Entertainment, with 1% on most other purchases. With no fee, the question is simply whether 8% on Capital One Entertainment beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on Capital One Entertainment, where it earns 8%
- ✓ Anyone who wants Capital One Entertainment rewards without paying an annual fee
Who should skip it
- — Applicants with fair or limited credit — the issuer targets excellent credit
- — Heavy spenders outside Capital One Entertainment — everything else earns 1%
First-year value estimate
Welcome bonus
$200
Rewards on spending
$330
Annual fee (year 1)
−$0
Year 1, before credits
$530
Year two, without the welcome bonus: about $330 before credits ($330 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in Capital One Entertainment (8%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- Welcome bonus: the $200 bonus at face value ≈ $200.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-02.
How it compares
Blue Cash Everyday →
American Express, same $0 annual fee; earns 3% on gas.
AARP Essential Rewards Mastercard from Barclays →
Barclays, same $0 annual fee; earns 3% on gas stations and drugstores.
Athleta Encore Mastercard →
Barclays, same $0 annual fee; earns 5% on Gap Inc. brands (Athleta, Gap, Banana Republic, Old Navy).
Rules and gotchas
- The welcome bonus requires $500 in 3 months — roughly $167 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the Capital One Savor Cash Rewards have an annual fee?
- No. Our record lists a $0 annual fee for the Capital One Savor Cash Rewards.
- What does the Capital One Savor Cash Rewards earn?
- 8% on Capital One Entertainment, 5% on Capital One Travel, 3% on dining, 3% on groceries, and 1% on other purchases.
- Is the Capital One Savor Cash Rewards worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Capital One Entertainment), the first year comes out around $530 before credits, including a welcome bonus valued at $200. Year two drops to about $330 before credits.
- What credit do I need for the Capital One Savor Cash Rewards?
- Our record lists "Excellent" credit as the typical target for the Capital One Savor Cash Rewards. Capital One makes the final decision based on its own criteria.
Earning Rates
8×Capital One Entertainment8% cash back on Capital One Entertainment purchases
5×Capital One TravelHotels, vacation rentals and rental cars booked through Capital One Travel
3×DiningUnlimited cash back on dining
3×GroceriesUnlimited cash back at grocery stores; excludes superstores like Walmart and Target
3×EntertainmentUnlimited cash back on entertainment
3×StreamingUnlimited cash back on select streaming services
1×OtherUnlimited cash back on all other purchases
Insurance
Sources
- https://www.capitalone.com/credit-cards/savor/
- https://www.fool.com/money/credit-cards/articles/limited-time-offer-earn-a-250-bonus-with-the-capital-one-savor-rewards-card/
Last Updated: Oct 2, 2026