THE CARDTUNED DATABASE
Capital One Savor Cash Rewards
Issuer: Capital One · Network: Not Public
Unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel; 3% at eligible grocery stores, dining, entertainment and popular streaming services; 1% on other purchases.
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% intro APR for 12 months on purchases and balance transfers.
- Regular APR
- 18.49%–28.49% variable APR thereafter.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$200 cash bonus after $500 in purchases within 3 months of account opening.
- Spending requirement
- $500 in purchases
- Time window
- 3 months from account opening
Offer last checked: 2026-09-05
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Hotels | 5% | Unlimited — cash back on hotels, vacation rentals and rental cars booked through Capital One Travel |
| Selected categories | 3% | at eligible grocery stores, dining, entertainment and popular streaming services |
| Other purchases | 1% | on other purchases. |
Restrictions to know
The grocery category excludes superstores such as Walmart and Target. Elevated travel earning requires booking through Capital One Travel. Bonus eligibility is subject to the issuer's 48-month restriction and application channel.
Who can apply
U.S. applicant of legal age; subject to Capital One credit approval, identity and income verification, and current product/application rules.
Credit profile: Good to excellent product family; verify live preapproval guidance
Before you choose
Compare the categories you actually use
Group your dining, grocery and entertainment spending before comparing Savor with a flat-rate alternative. Check merchant exclusions so a shopping trip is not automatically counted as a qualifying grocery purchase.
For a two-card setup, compare this card alongside a general-spending card. The useful question is how the pair covers your budget without adding unnecessary complexity.