All about the Capital One Savor Rewards credit card

March 5, 2026|6 min read

Whether you’re grabbing a bite to eat, catching a concert or streaming your favorite show, the Capital One Savor card gives cardholders unlimited 3% cash back on food, fun and all the things you love to do.

Is Savor a good card for you? It could be, if it fits your spending habits and lifestyle. Learn about the card’s rewards and benefits.

What you’ll learn:

The Savor card is just one of Capital One’s dining and entertainment credit cards.
New Savor cardholders can earn $200 when they spend $500 within three months of opening an account.
Savor cardholders earn unlimited 3% cash back at grocery stores and on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases.
Cardholders earn 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel. Plus, they earn 8% cash back through Capital One Entertainment.
Savor has a $0 annual fee and comes with security features and helpful digital services. View important rates and disclosures.

Savor card overview

With the Savor rewards credit card, you can earn a new cardholder bonus. Plus, you can earn rewards in a variety of spending categories.

Here’s an overview of what Savor rewards.

New cardholder bonus

New cardholders can earn a one-time $200 cash bonus once they spend $500 on purchases within three months of opening their account.

3% cash back at grocery stores

Earn unlimited 3% cash back on purchases made at eligible places like:

Supermarkets, excluding superstores like Walmart® and Target®
Specialty markets

3% cash back on dining

Earn unlimited 3% cash back on purchases at:

Restaurants
Cafes
Bars
Lounges
Fast-food chains
Bakeries

3% cash back on entertainment

Earn unlimited 3% cash back on eligible purchases at these venues and more:

Bowling alleys
Movie theaters
Amusement parks
Tourist attractions
Aquariums
Zoos
Record stores
Dance halls
Pool halls

3% cash back on popular streaming services

Earn unlimited 3% cash back on popular eligible streaming purchases, including:

Netflix®
Hulu®
Disney+

1% cash back on everything else

Earn unlimited 1% cash back on every other purchase, every day.

Elevated Savor rewards

The Savor Rewards card gives cardholders access to a variety of exclusive benefits. With Capital One Entertainment and Capital One Travel, there are even more ways to earn cash back while traveling, dining out and enjoying amazing experiences.

8% through Capital One Entertainment

Savor cardholders earn 8% cash back on Capital One Entertainment purchases that include unforgettable experiences across sports, music, dining, theater and more. Past experiences include:

March Madness® tickets
VIP packages for the Capital One Orange Bowl and the College Football Playoff National Championship games
iHeartRadio music festivals
Tickets to Broadway shows
Taste America® events by the James Beard Foundation

5% through Capital One Travel

Savor cardholders earn unlimited 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel.

Our price prediction tool recommends when to book your flight, which can help you save an average of 15%. Plus, get free price drop protection. And with the price match guarantee, if you find a better price on the same flight, hotel or car rental, Capital One Travel will match it.

Savor rewards redemption options

Cash back rewards don’t expire for the life of the account. And there are lots of ways to redeem them, including:

Cash in the form of statement credits or a check
Gift cards
Purchases on Amazon.com
Purchases with PayPal®
Tickets for sporting events, concerts and more through Capital One Entertainment
Flights, hotels, vacation rentals, rental cars and activities booked through Capital One Travel

Savor credit card rates and fees

Check out this information about the interest rates and fees associated with the Savor card:

$0 annual fee: Get the most out of your rewards with no annual fee. View important rates and disclosures.
No foreign transaction fees: Cardholders don’t have to pay foreign transaction fees when they use their card outside the U.S. View important rates and disclosures.
Interest rate: Like most credit cards, Savor has a variable annual percentage rate (APR). Specific percentages are based on creditworthiness. You can learn more by reviewing the Savor application terms.
Balance transfers: You could save on interest when you transfer a balance from another credit card to a Savor card. View important rates and disclosures.

Savor card account management and security features

The Savor card offers many ways to help conveniently manage your account. It also comes with security features to help keep your account safe.

Account alerts: Track your spending and payments by setting email and text reminders.
AutoPay: Set up automatic payments to help stay on top of payments.
Payment due date of your choice: You can request a payment due date that works best for you.
$0 liability for unauthorized charges: Have peace of mind knowing that if your card is lost or stolen, you won’t be responsible for charges you didn’t authorize.
Fraud alerts: Add your mobile phone number to your account to get alerts if Capital One notices any potential suspicious activity on your account.

Savor credit card apps and digital services

With Savor, you’ll have helpful apps and digital services at your fingertips, including:

Capital One Mobile app

Get the Capital One Mobile app and manage your account anywhere, anytime. You can view your current balance, make payments and more.

Eno, your Capital One assistant

Use Eno to help keep tabs on your accounts via text or in the Capital One Mobile app. Eno can help check your balance, review recent transactions, pay your bill and more.

CreditWise from Capital One

CreditWise lets you check your credit for free. Using it won’t impact your credit score. You don’t even have to be a Savor cardholder to use it. In fact, using the CreditWise Simulator could help you better understand how applying might affect your credit score.

Other Capital One dining and entertainment cards

The Savor card isn’t the only dining and entertainment card from Capital One. Here are three other cards you can check out:

Capital One Savor Rewards for Good Credit

With a Savor for Good Credit card, you could earn the same rewards for a $0 annual fee. View important rates and disclosures. But cardholders aren’t eligible for bonuses.

Capital One SavorOne

The SavorOne card is for cardholders with fair credit. There’s no bonus offer, but cardholders can still earn rewards on food and fun for a $39 annual fee. View important rates and disclosures.

Capital One Savor Student

The Savor Student card is designed for college students with little to no credit history. It offers the same grocery store, dining and entertainment, and travel rewards. And there’s no annual fee. View important rates and disclosures. New cardholders can earn a $50 bonus by spending $100 within three months of opening an account.

Key takeaways: Capital One Savor card

If you like the idea of a cash back card with lots of ways to earn rewards, you could apply for a Savor card today.

Savor cardholders can cash in on food and fun, with unlimited 3% cash back at grocery stores and on dining, entertainment and popular streaming services. Plus, they earn 1% cash back on all other purchases. And the Savor card has a $0 annual fee. View important rates and disclosures.

Explore other Capital One rewards credit cards

Whether you’re a globe-trotting adventurer or someone who likes earning cash back on everyday purchases, Capital One has other rewards cards to fit your lifestyle.

See whether you’re pre-approved for credit cards without harming your credit scores.
Explore travel rewards cards with unlimited miles you can actually use.
Earn cash back on every purchase, every day, with a cash back rewards card.

Footnotes

Learn more about FDIC insurance coverage.

You will earn 3% cash back at grocery stores and on dining, qualified entertainment purchases and popular streaming services, plus 1% cash back on all other purchases. Entertainment purchases made through a third party site or by a vendor that does not categorize themselves under one of the qualifying entertainment merchandise category codes will earn 1% cash back. Grocery purchases made at gas stations, convenience stores, warehouse clubs, discount stores, and super stores (or at grocery stores associated with discount stores or super stores) will earn 1% cash back. Earnings will apply to net purchases (purchases minus any credits or returns) only. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Capital One uses merchant category codes to determine if a purchase is within one of the additional cash back categories. This means that sometimes a purchase may not earn additional cash back. For example, some food trucks or food carts may use a “merchandise” code and restaurants in department stores or hotels may use a “merchandise” or “hotel” code instead of a “dining” code. Additionally some amusement parks may code their online tickets as “merchandise” instead of “entertainment.” Capital One is not responsible for merchant category codes used by merchants.

The 3% food earn is limited to purchases made at grocery stores and restaurants, excluding superstores like Walmart and Target. The 3% fun earn is limited to entertainment purchases and popular streaming.

Capital One Entertainment ticketing platform: To use the Capital One Entertainment ticketing platform experience, you must be a Capital One cardholder with an eligible rewards-earning credit card, in good standing; at least 18 years old; and either a primary account holder or an account manager for an eligible consumer credit card, or a primary account holder for an eligible small business credit card. Eligible cards include US-issued, Capital One branded rewards-earning consumer and small business credit cards. Capital One debit cards, private label retail credit cards, and co-brand partner cards are not eligible for the Capital One Entertainment ticketing platform. Capital One online account required; additional terms apply. Please see the Capital One Entertainment ticketing platform’s Terms of Use for more information about ticketing policies and terms and conditions.

Capital One Cardholder Pre-sales: Capital One cardholder ticket and event offers are open to Capital One cardholders with an eligible credit card, as well as eligible Capital One debit cards and co-brand partner cards. Capital One private label retail credit cards are not eligible.

The number of tickets you may purchase for an event may be limited. Some events may have age restrictions and some offerings may have an additional cost or be available on a first-come, first-served basis while supplies last. By clicking on the links above, you may be taken to a site maintained by a third-party.

Eligible Quicksilver, QuicksilverOne, Quicksilver Secured, Quicksilver Student, Journey, Capital One Cash, Spark Cash Select, Spark Classic, Spark Cash, Spark Pro, Spark Cash Plus and Spark Business cardholders will earn 5% cash back on Capital One Entertainment purchases. Eligible Venture X, Venture, VentureOne, Capital One Miles, Venture X Business, Spark Miles, Spark Miles Select and Spark Classic Miles cardholders will earn 5 miles per dollar spent on Capital One Entertainment purchases.

The 8% cash back on Capital One Entertainment purchases includes tickets purchased directly through the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor card. The 8% excludes: (i) tickets purchased through Capital One cardholder exclusive pre-sales; and (ii) tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services. 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.

Capital One Travel bookings include services such as cancel your flight for any reason, price prediction, price watch, price drop protection, and price match guarantee. Additional fees may apply. The availability of these services varies by account, and they may not be available on all bookings. Terms apply. See travel.capitalone.com/terms-of-service/ for details.

15% savings represents the average savings based on price prediction and booking recommendation for flights. Savings may vary. Terms apply.

Capital One uses merchant category codes to determine if a purchase is within one of the additional cash back categories. This means that sometimes a purchase may not earn additional cash back. For example, some food trucks or food carts may use a merchandise code and restaurants in department stores or hotels may use a merchandise or hotel code instead of a dining code. Additionally some amusement parks may code their online tickets as merchandise instead of entertainment. Capital One is not responsible for merchant category codes used by merchants. All purchases made outside of Capital One Travel such as hotel incidentals, upgrades or other expenses, will not earn the enhanced earn rate, but will receive the standard 1% cash back earn rate.

Claims of unauthorized use and liability for unauthorized charges are subject to investigation and verification.

Proud partner of March Madness. NCAA and March Madness are trademarks of the National Collegiate Athletic Association.

Web access is needed to use the mobile app. Check with your service provider for details of specific fees and charges. Routine or unscheduled maintenance may impact accessibility.

The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to be a Capital One account holder to sign up for CreditWise.

CreditWise Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.

The CreditWise Simulator provides an estimate of your score change and does not guarantee how your score may change.

Eno is learning all the time and may not catch everything. Eno may not catch all eligible charitable transactions and is not a tax advisor. Potential charitable donations identified by Eno may or may not qualify with the IRS. Eno service outages may occur. Capital One customers are responsible for regularly checking their account statements. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Texting with Eno means you agree to chat about your account over SMS and receive recurring messages. Message and data rates may apply. Mobile phone carrier fees for text messages may apply.

Some or all Eno features may not be available to all Capital One customers, depending on the types of accounts held. For example, certain bank accounts are not eligible to text with Eno, and Eno email notifications, app notifications and virtual card numbers from Eno may not be available for certain credit cards.

The Eno browser extension for virtual card numbers is only available in certain web browsers, and enrollment is required. Virtual card numbers are not available for debit cards and some credit cards.

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

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Capital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners.

By clicking on some of the links provided, you may be taken to a third-party website that is not hosted by Capital One. In those cases, the owner of the website is responsible for the website content. Their privacy practices and level of security may be different from Capital One’s, so please review their policies.