LIMITED-TIME OFFER:

Earn up to $300 in bonuses 7

Limited-Time Offer

Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 7

$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; 19.24% - 29.24% 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.

Smart booking with Capital One Travel
Get our best prices on travel, guaranteed 5

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
    5%
  • 2 Star
    2%
  • 1 Star
    3%
4.6
based on 1864 reviews
92 %
of reviewers recommend Savor Rewards
4.6
based on 1864 reviews
92 %
of reviewers recommend Savor Rewards
  • 5 Star
    79%
  • 4 Star
    13%
  • 3 Star
    5%
  • 2 Star
    2%
  • 1 Star
    3%
Yes, I recommend this product

Great cash back option

TorkDork - 2 days ago

Most of my expensess are for food shopping and groceries and with this card I feel like I'm getting the most for my money.

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

Great card

Slickprofit - 2 days ago

i have no issues. I love this card and the credit limit. I use it from time to time. Life saver. good return on rewards points.

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

EXCELLENT FEATURES

FAREEDI 786 - 2 days ago

My Capital One card is an excellent companion because this I feel so comfortable to solve my needs.

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

I like my card

Quii - 2 days ago

Able to use without any problems when traveling out the country

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

Good cash back

Suep14 - 2 days ago

This is a great card for me. It gives 3% cash back on groceries which we all spend a lot of money on.

Yes, I recommend this product

Horrible late fee

Cin101 - July 28, 2025

This capital one card sucks the late fee doesn't make sense I normally try to pay on time but 40.00 late fee is unheard of i can't wait to pay it off and cancel it.

Yes, I recommend this product

Great card for everything I need on a daily basis.

Walkermart - July 28, 2025

Great everyday fit for my needs. Quick easy use. Great mobile updates.

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

Great features.

dastan - July 27, 2025

My Capital One card is beneficial to me because I can use it anywhere, anytime, with no issues.

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

Great features and excellent quality

mckelvyns - July 27, 2025

Good for me because of no international fees and super security features

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

Easy to use everywhere

DESYRI - July 27, 2025

It has a good size amount in able to use and still keep it under control

Yes, I recommend this product