- Sign-Up Bonus
- 5
- Spending Multipliers
- 5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
Summary
- Sign-Up Bonus
- 5
- Spending Multipliers
- 5
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
The Capital One Savor Rewards Credit Card is a no-annual-fee cash back card built for foodies, entertainment lovers, and everyday spenders who want to maximize rewards on dining and fun while keeping costs low. With strong bonus categories on popular lifestyle purchases and a base 1% cash back on all other purchases, it’s best suited for consumers who spend heavily on restaurants, streaming, and entertainment rather than general spending. The card also charges no foreign transaction fees, making it a solid option for dining abroad, and cardholders can convert cash back into miles if they also carry a Capital One Venture card—adding valuable travel flexibility. Additional perks include extended warranty protection, Hertz Five Star status, travel accident insurance, and 50% off handcrafted beverages at Capital One Café. Overall, the Capital One Savor Rewards card is ideal for socially active cardholders who want elevated rewards on dining and entertainment, travel-friendly benefits, and the option to turn cash back into miles—all without paying an annual fee.
Pros
Cons
Issuer
Capital One, established in 1994 as a spin-off from Signet Financial Corp, has grown into one of the largest banks in the US with international presence in the UK and Canada. Leveraging data-driven strategies, it offers a diverse range of financial products, including credit cards, checking, savings, and business services. While serving over 100 million customers, Capital One is recognized as a subprime lender, occasionally denying credit to those with higher credit scores. With $662 billion in total assets and $69 billion in annual revenue in 2025, it maintains financial stability. The company emphasizes technology, employing real-time data, AI, and machine learning, and is committed to environmental sustainability, aiming to reduce GHG emissions and support renewable energy. Despite a decreasing physical branch presence, Capital One continues its mission to revolutionize banking by bringing ingenuity, simplicity, and humanity to the industry, reflecting a dedication to financial inclusion and adherence to regulatory standards as an FDIC-insured institution.
Spending Multipliers
8%
Cash Back on Capital One Entertainment
5%
Cash Back on hotels through Capital One Travel
5%
Cash Back on vacation rentals through Capital One Travel
5%
Cash Back on car rentals through Capital One Travel
3%
Cash Back on entertainment
3%
Cash Back on restaurants
3%
Cash Back on select streaming services
3%
Cash Back on groceries
1%
Cash Back on all other purchases
Credits & Features
Application
- Capital One has a strict 1/6 rule, meaning you can only apply for 1 Capital One card every 6 months
- Consider having at least a credit history for 3 year
- Capital One usually pulls from all 3 major credit bureaus
- See if you are pre-approved before applying
- Capital One states that for excellent credit, you may never have declared bankruptcy or defaulted, not been more than 60 days late on a payment, and have a credit history of 3+ years with a limited of $5,000+
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- 18.49% - 28.49% Variable APR
- 28.49% APR for Cash Advance
- $5 or 5% of each cash advance amount (whichever is greater)
- 18.49% - 28.49% APR for Balance Transfer
- 4% of each transfer amount