Capital One Savor Cash Rewards
A Capital One Mastercard card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $626 | $426 | $2,330 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $944 | $744 | $3,920 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,258 | $1,058 | $5,492 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Capital One Savor ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Capital One Savor |
|---|---|
| Issuer and network | Capital One, Mastercard |
| Annual fee | None |
| Requires | Nothing extra |
| Welcome offer | $200 after $500 in 3 months |
| Earning | 8% cash back on Capital One Entertainment ticket purchases · 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel · 3% cash back on dining · 3% cash back at grocery stores (excludes superstores like Walmart and Target, warehouse clubs, discount stores, gas stations and convenience stores) · 3% cash back on qualifying entertainment (movie theaters, live sports, concerts/theater promoters, amusement parks, zoos, etc.) · 3% cash back on popular streaming services · 1x on everything else |
| Rewards currency | Capital One cash rewards |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | None |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- This is the $0-annual-fee Savor (formerly SavorOne; Capital One renamed it Savor and the old $95 Savor is gone). A separate 'SavorOne' with a $39 fee now exists for fair credit, so this is not that product.
- Grocery definition from the disclosure: grocery purchases at gas stations, convenience stores, warehouse clubs, discount stores and superstores (or grocery stores associated with discount stores/superstores) earn 1%. Capital One's FAQ: 'Excludes superstores like Walmart and Target.'
- Entertainment 3% excludes golf courses, country clubs, collegiate sporting events coded as universities, and amusement park tickets bought from third-party sites.
- 0% intro APR on purchases and balance transfers for 12 months, then 18.74%, 24.74% or 28.74% variable. BT fee is 3% in the first 12 months, then 4% on any later promotional-APR transfer.
- Cash back redeems 1:1 and can be moved to a Venture/Venture X account and converted to miles.
- Some new Savor accounts are being issued on the Discover network since early 2026 (secondary reports).
- No foreign transaction fee (product page).