Earn $200
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from 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 12 months on purchases and balance transfers; 18.49% - 28.49% 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, vacation rentals 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.
Enjoy these benefits with Savor
No Foreign
Transaction Fees
You won’t pay a transaction fee when making purchases outside of the United States.
Redeem Your Way
Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.
Frequently Asked Questions
How does Capital One determine which purchases qualify for cash back?
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.
What counts as a grocery store?
A supermarket, meat locker, freezer, dairy product store and specialty market. Excludes superstores like Walmart® and Target®.
What counts as dining?
Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.
What counts as entertainment?
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.
What counts as streaming?
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.
- 1
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services.
- 2
Upon approval, eligible Savor primary account holders earn a $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. This one-time bonus is available by applying through this page, and may not be available if you navigate away from or close this page. Once you qualify for this bonus, we will apply it to your rewards balance within two billing cycles. Existing or previous cardmembers are not eligible for this bonus if they have received a new cardmember bonus for this product in the past 48 months.