RateHerald

Our illustration, not the card’s design

Capital One credit card

Savor Rewards for Good Credit

  • APR up · 28.99%29.24% · Oct 8, 2026

No annual fee. Purchase APR 29.24%, variable.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions
Credit asked
Good

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$215$215
Typical spender$515$515
Heavy spender$1,020$1,020
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$215a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$515a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$1,020a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).

Other cash back cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Rewards

How you earn

3%
grocery storesdiningentertainmentpopular streaming services
1%
Everything else

Cash back, as a share of each purchase.

Benefits

  • No foreign transaction fees on purchases outside the United States.
  • Complimentary Concierge Service (no details stated).
  • Anniversary bonus: 10,000 bonus miles after each anniversary year, starting with the first anniversary; applied to rewards balance once qualified.

Changes

28.99%29.24% since Oct 8Oct 8Today
  • Oct 8, 2026 APR 28.99%29.24%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Foreign transactions

Before you apply

  1. Credit the issuer asks for: Good (issuer’s page).
  2. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  3. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$0 · capitalone.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · capitalone.com, since Nov 1, 2026
What is the purchase APR?
29.24% APR · capitalone.com, since Oct 8, 2026
What credit do you need?
Good · capitalone.com, since Sep 30, 2026
Apply on capitalone.comPartner offer: we may be paid if you apply