Savor rated #1 Rewards Credit Card for Customer Satisfaction by cardholders with $0 annual fee for the 2nd year in a row 3
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; 19.24% - 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.
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.
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
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Book confidently with
free price drop protection
free price drop protection
If you book your flight when we recommend and the price drops within 10 days, you’ll get up to $50 in travel credit for the difference.
If you find a better price,
we’ll match it
we’ll match it
Let us know within 24 hours after booking, and we’ll give you a travel credit for the difference.
Make your plans flexible
with special features
with special features
Add the option to cancel your flight for any reason or freeze a flight price and book later.
Know when to buy
and when to wait
and when to wait
Set a price alert and we’ll watch your flight 24/7 to notify you when prices drop.
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.
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The 3% grocery earn is limited to purchases made at grocery stores, excluding superstores like Walmart® and Target®
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This one-time bonus is available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.
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The Capital One Savor Card, which was marketed as the SavorOne card during the fielding period, received the highest score in the Bank Rewards Credit Card – No Annual Fee segment (excluding co-brand credit cards) of the J.D. Power 2024 U.S. Credit Card Satisfaction StudySM, which profiles the experiences of customers from the largest credit card issuers. Visit jdpower.com/awards for more details.
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The 8% cash back on Capital One Entertainment purchases includes tickets purchased on the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor card. The 8% excludes: tickets purchased through the Capital One cardholder exclusive pre-sales page (www.capitalone.com/pre-sales); (ii) tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services; and (iii) dining reservations or purchases through Capital One Dining. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. Cash back earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Online account required. Please see the Capital One Entertainment ticketing platform’s Terms of Use for more information about ticketing policies and terms and conditions.
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Some cardholder benefits are only available to the primary cardholder and not authorized users.
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Services such as price prediction, price watch, price drop protection, and price match guarantee are subject to terms and conditions. The availability of these services varies by account and they may not be available on all bookings. See Capital One Travel Terms and Conditions for details.