Our illustration, not the card’s design
Capital One credit card
Savor Rewards
- APR up · 18.49% to 18.74% · Oct 8, 2026
No annual fee. $200 cash bonus after you spend $500 in 3 months. Purchase APR 18.74–28.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · capitalone.com
“Earn unlimited 3% cash back on food and fun, plus a $200 cash bonus”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“$0 annual fee”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · capitalone.com
“0% intro APR for 12 months on purchases and balance transfers; 18.74% - 28.74% variable APR after that; Balance transfer fee applies.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · capitalone.com
“No Foreign”
Select an underlined figure to see where it comes from.
Capital One’s terms
Welcome offer
$200 cash
After you spend $500 on purchases in your first 3 months.
- Spending it takes
- $167 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
One-time bonus for eligible Savor primary account holders. Available by applying through this page; it may not be available if you navigate away from or close the page. Once qualified, the bonus is applied to the rewards balance within two billing cycles. Existing or previous cardmembers are not eligible if they received a new cardmember bonus for this product in the past 48 months.
- Smaller than about 60% of the 48 other cash bonuses we track.
Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.
“Existing or previous cardmembers are not eligible for this bonus if they have received a new cardmember bonus for this product in the past 48 months.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
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.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $415 | $215 | |
| Typical spender | $715 | $515 | |
| Heavy spender | $1,220 | $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
Assumed: not counted: 5x vacation rentals booked through Capital One Travel; not counted: 8x Capital One Entertainment purchases; not counted: 5x hotels booked through Capital One Travel.
$215a year
$415 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 5x vacation rentals booked through Capital One Travel; not counted: 8x Capital One Entertainment purchases.
$515a year
$715 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 5x vacation rentals booked through Capital One Travel; not counted: 8x Capital One Entertainment purchases.
$1,020a year
$1,220 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 5x hotels booked through Capital One Travel; not counted: 5x vacation rentals booked through Capital One Travel; not counted: 8x Capital One Entertainment purchases.
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
- Citizens Summit World MastercardCitizens · No annual fee+$95 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$85 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$85 a year
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
Savor Rewards
How you earn
- 8%
- Capital One Entertainment purchases
- 5%
- hotels booked through Capital One Travelvacation rentals booked through Capital One Travelrental cars booked through Capital One Travel
- 3%
- grocery storesdiningentertainmentpopular streaming services
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Hertz Five Star® status
- Concierge service: complimentary personalized assistance in dining, entertainment, and travel, 24 hours a day, 365 days a year.
- 24-hour travel assistance: emergency replacement card and cash advance if the card is lost or stolen.
- No foreign transaction fees.
- Capital One Travel price prediction to save an average of 15% on flights.
All 7 benefits
- Cardholder-only access to Capital One Entertainment VIP packages, pre-sales, and on-site perks.
- 50% off handcrafted beverages every day at any Capital One Café nationwide.
Changes
- Oct 8, 2026 APR 18.49% to 18.74%
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 | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · capitalone.com “$0 annual fee” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · capitalone.com “0% intro APR for 12 months on purchases and balance transfers; 18.74% - 28.74% variable APR after that; Balance transfer fee applies.” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · capitalone.com “0% intro APR for 12 months on purchases and balance transfers; 18.49% - 28.49% variable APR after that; Balance transfer fee applies.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · capitalone.com “No Foreign” |
Before you apply
- Credit the issuer asks for: Excellent (issuer’s page).
- 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).
- 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)
- The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $0 · capitalone.com, since Nov 1, 2026
- Does it charge a foreign transaction fee?
- No. · capitalone.com, since Sep 30, 2026
- What is the purchase APR?
- 18.74–28.74% APR · capitalone.com, since Oct 8, 2026
- Is there an intro APR?
- 0% for 12 months. · capitalone.com, since Sep 29, 2026
- Is there a welcome bonus?
- $200 cash back after $500 in purchases in 3 months. · capitalone.com, since Sep 29, 2026
- What credit do you need?
- Excellent · capitalone.com, since Sep 29, 2026