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At a glance
8%
8% Cash Back on Capital One Entertainment purchases
5%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
1%
1% Cash Back on all other purchases
Earn $200 Cash Back
$200 Cash Back after you spend $500 on purchases within 3 months from account opening
Introductory Balance Transfer APR
0% intro on balance transfers for 15 months
Introductory Purchases APR
0% intro on purchases for 15 months
Ongoing Balance Transfer APR
19.24% - 29.24% (Variable)
Ongoing Cash Advance APR
29.24% (Variable)
Ongoing Penalty APR
None
Ongoing Purchases APR
19.24% - 29.24% (Variable)
$0
670-850Excellent, Good
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Our Take
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
Overview
The Capital One Savor Cash Rewards Credit Card serves as a great introduction to the world of rewards credit cards. For starters, there’s no annual fee, so you’ll rest easy knowing that you’re at an automatic net positive by opening this card. From there, earn 3% on popular everyday spending categories, which you can redeem for valuable cash-back rewards back in your pocket. If you travel internationally from time to time, you can even bring this card with you, as there are no foreign transaction fees.
Pros
- Strong return on common spending categories for a no-annual-fee credit card
- Simple earning and redeeming is great for beginners
Cons
- Some cards provide better value with higher reward potential on dining and grocery purchases
Who is this card good for?
There are two types of customers that would benefit from the Capital One Savor. First, the budget-conscious consumer who doesn’t want to pay an annual fee on a credit card but spends frequently on nights out — whether it be at restaurants, at the movies or at concerts — can earn a sizeable 3% return on these purchases.
Additionally, cardholders of the Capital One Venture Rewards Credit Card who want to earn Capital One miles even faster should consider this card. That’s because you can transfer all the rewards earned on the Capital One Savor over to your Capital One Venture card at a 1:1 rate, letting you access Capital One’s 15-plus airline and hotel transfer partners.