Our illustration in the card’s colours, not its design
Capital One credit card
SavorOne Rewards
- APR up · 28.99% to 29.24% · Oct 8, 2026
$39 a year. Purchase APR 29.24%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services with a $39 annual fee.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · capitalone.com
“29.24% variable APR”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB
“No foreign transaction fees”
- Credit asked
- Fair
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.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $175 | $175 | |
| Typical spender | $475 | $475 | |
| Heavy spender | $980 | $980 |
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 5% cash back on vacation rental bookings; not counted: 5x 5% cash back on hotel bookings.
$175a year
The same in the first year and after.
Rewards and credits$215
You keep $175−$40 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$475a year
The same in the first year and after.
Rewards and credits$515
You keep $475−$40 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 5x 5% cash back on vacation rental bookings.
$980a year
The same in the first year and after.
Rewards and credits$1,020
You keep $980−$40 annual fee
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 5% cash back on hotel bookings; not counted: 5x 5% cash back on vacation rental bookings.
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.
Other cash back cards with fees up to $100
- Blue Cash PreferredAmerican Express · $95 a year+$80 a year
- Credit One Bank WanderCredit One · $95 a year+$40 a year
- Ollo Everyday Rewards MastercardMerrick Bank · $39 a year−$20 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
Capital One Savor Rewards Card
How you earn
- 8%
- 8% cash back with Capital One Entertainment
- 5%
- 5% cash back on hotel bookings5% cash back on vacation rental bookings5% cash back on rental car bookings
- 3%
- 3% cash back at grocery stores3% cash back on dining3% cash back on entertainment3% cash back on popular streaming services
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- No foreign transaction fees; no transaction fees on purchases outside the United States.
- Concierge service: complimentary, personalized assistance in dining, entertainment and travel, 24 hours a day, 365 days a year.
- Save on travel: if a better price is found on another site within 24 hours of booking an eligible flight, hotel or rental car, a travel credit for the difference is provided (amount not stated).
- Other: $0 fraud liability
Changes
- Oct 8, 2026 APR 28.99% to 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 | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · capitalone.com “Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services with a $39 annual fee.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · capitalone.com “29.24% variable APR” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB “No foreign transaction fees” |
Before you apply
- Credit the issuer asks for: Fair (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)
Questions
- What is the annual fee?
- $39 · capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · Reported to the CFPB, since Oct 4, 2026
- What is the purchase APR?
- 29.24% APR · capitalone.com, since Oct 8, 2026
- What credit do you need?
- Fair · capitalone.com, since Oct 8, 2026