Capital One Savor
Mastercard cash back card with no annual fee. Earns 5% on hotels and rental cars through Capital One Travel, 3% on dining, streaming and grocery stores (not superstores like Walmart and Target), 1% on everything else.
Terms read from Capital One's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- None
- Purchase APR
- 18.74% to 28.74%
- Intro APR on purchases
- 12 months
- Intro APR on balance transfers
- 12 months
Rewards
- 5% on hotels and rental cars through Capital One Travel
- 3% on dining, streaming and grocery stores (not superstores like Walmart and Target)
- 1% on everything else
Earns cash back.
Not confirmed
- Balance transfer fee isn't on the card page.
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $420 | $220 | $861 | Month 1 |
| Family | $900 | $700 | $2,299 | Month 1 |
| Frequent traveller | $939 | $739 | $2,418 | Month 1 |
Frequently asked questions
Is the Capital One Savor worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $900 in year 1 and $700 a year after that, after no annual fee. It pays for its fee by month 1.
What is the Capital One Savor welcome bonus?
$200 after $500 in purchases in the first 3 months.
Does the Capital One Savor charge foreign transaction fees?
No. It charges no foreign transaction fee.
What isn't counted in its value?
3% on entertainment isn't modelled.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.