Earn $200

As a one-time bonus once you spend $500 within 3 months of account opening. 2

$0 annual fee

Plus, there are no foreign transaction fees on purchases made outside of the United States.

Low intro APR

0% intro APR for 15 months on purchases and balance transfers; 19.74% - 29.74% variable APR after that; Balance transfer fee applies. See pricing and terms for details.

Earn 5% cash back

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Earn 3% cash back

Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services. 1

Earn 1% cash back

Earn unlimited 1% cash back on all other purchases and rewards don’t expire for the life of the account.

Explore Capital One credit card benefits. 5

No Foreign Transaction Fees

You won’t pay a transaction fee when making a purchase outside of the United States.

Complimentary Concierge Service

Enjoy comprehensive, personalized assistance in dining, entertainment and travel—24 hours a day, 365 days a year.

Extended Warranty

You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

24-hour Travel Assistance Services

If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.

Travel Accident Insurance

Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.

Instant Purchase Notifications

Stay on top of your spending by receiving a push notification each time a new purchase is approved on your account.

Capital One Shopping

Capital One Shopping is an online shopping tool that automatically applies available coupon codes to your order. Learn more about Capital One Shopping.*

Shop With Your Rewards

Now you can pay for Amazon.com purchases using your Capital One rewards. Learn more about how to use your rewards at Amazon.

Redeem Your Rewards with PayPal

Use your Capital One rewards on eligible purchases at millions of online stores. Learn more about using rewards with PayPal.

Capital One Travel

Get our best prices on thousands of trip options—even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.

50% off Handcrafted Beverages

Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide. Find your Café.**

Smart booking with Capital One Travel
Get our best prices on travel, guaranteed 6

Looking for a flat-rate cash back card?

Explore cards that offer 1.5% cash back on every purchase, every day.

Frequently Asked Questions

Every time you buy something, the merchant assigns your purchase a category code. We use these codes to figure out how much cash back you earn. Please note, Capital One is not responsible for codes used by merchants.

Some merchants that sell food and drinks that are located within larger establishments (such as hotel restaurants or grocery store food counters) as well as some food trucks or food carts may not categorize themselves as dining merchants.

Purchases made through third-party payment accounts, mobile or wireless card readers, mobile or digital wallets or similar technology may not receive a higher percentage reward, depending on how the technology is set up to process the purchase.

A supermarket, meat locker, freezer, dairy product store and specialty market. Excludes superstores like Walmart® and Target®.

Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.

Ticket purchases made at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys. This excludes golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services.

Streaming purchases made from eligible music and video streaming services, including but not limited to Netflix ®, Hulu ® and Disney +. Some services such as Verizon FIOS On Demand, audiobook subscriptions, and fitness programming are excluded.

Customer Reviews
  • 5 Star
    79%
  • 4 Star
    13%
  • 3 Star
    4%
  • 2 Star
    2%
  • 1 Star
    2%
4.6
based on 1812 reviews
92 %
of reviewers recommend Savor Rewards
4.6
based on 1812 reviews
92 %
of reviewers recommend Savor Rewards
  • 5 Star
    79%
  • 4 Star
    13%
  • 3 Star
    4%
  • 2 Star
    2%
  • 1 Star
    2%
Yes, I recommend this product

Great card to have for cash back.

Indyracer 57 - 3 days ago

I have had this card for a long time now. Over ten years. Love the 3% cash back for food. The only shirt coming I see is the transfer are slow for outside banks. In or out it takes about five days to be credited.

Yes, I recommend this product
Yes, I recommend this product

1 of few Must Have Credit Card

Dennis7 - 7 days ago

No matter how you spend it, Savor offers great Reward %. Simple Terms and Conditions with no hidden rules and fine prints. Capitalone Savor delivers what you want from any other credit card. It's a MUST HAVE Credit Card.

Yes, I recommend this product

Poor balance transfer offer-no transfer from other

Balance transfer hernia - December 1, 2024

Why Cap1 would offer a 0% balance transfer for their own product is beyond me?

Yes, I recommend this product

Love this card

David Price - November 29, 2024

Everything about this is Amazing ‼️🎉🎈💣💥, I'm grateful I have it... Thanks guys...

Yes, I recommend this product
Yes, I recommend this product

My Capital One Savior card

JCB72 - November 28, 2024

So far the Capital One Savior card has been really good for me and my uses and I would recommend this card to family and friends.

Yes, I recommend this product
Yes, I recommend this product

An Okay Rewards Card

glenway - November 27, 2024

I haven't had this particular card for very long but it seems like an okay card, though I would prefer a higher credit limit and an ability to do transfer balances occasionally. Not having to pay an annual fee is a plus....

Yes, I recommend this product
Yes, I recommend this product

Works fine in the US and abroad

Brij1111 - November 27, 2024

The card is very user friendly. I used it in India also. The problem is that the credit limit on the card is unrealistic. On many purchases the credit was declined as it was over the limit allowed. I had to use to my Vis...

Yes, I recommend this product

Great multipliers terrible unusable credit line!!!

Creditonly7 - November 27, 2024

I would recommend this capital one credit card as it has very good multipliers such as 3% cash back on groceries, restaurants, and selective streaming services. However capital one gave me such a low credit line therefor...

Yes, I recommend this product

Excellent

Ebabie3 - November 27, 2024

My capital one card is excellent very convenient perfect for me

Yes, I recommend this product
Yes, I recommend this product

Awesome card

Mar22 - November 27, 2024

Helps me out of needing money right now easy to work with

Yes, I recommend this product