Capital One Savor Cash Rewards Credit Card
Capital One Savor credit card ($0 annual fee / 3% dining, groceries, entertainment and streaming / no foreign transaction fee)Welcome offer: $200 cash back after meeting the spending requirement
This public offer provides a $200 cash bonus after $500 in eligible purchases within the first 3 months of account opening. Apply through the official page displaying this offer. Current or former holders of the same product who received its new-cardholder bonus within the past 48 months are not eligible for this bonus. The bonus usually posts within two billing cycles after qualification. Other application channels or product versions may not offer the same terms.
12-MONTH WELCOME OFFER HISTORY
Past-year welcome offer history and recorded ranges
Standard offer ($200 cash back / $500 spending requirement)
Browsing date (your device): . The browsing date is not a new verification date. Entries below retain their original recorded dates.
View past-year welcome offer details4 records
Decision considerations
The past 365 days of source records describe a late-2025 public welcome offer of $200 cash back plus a $100 Capital One Travel credit, reaching $300 in total value, and a 63-day summer-2026 limited-time $250 offer. The source records a return to the steady $200 standard offer with a $500 spending requirement. Savor primarily suits higher spending on dining, groceries, entertainment and popular streaming services, with 5% through Capital One Travel, 8% through Capital One Entertainment and no foreign transaction fee. Other spending earns only 1%, and some additional protections depend on the actual card-network version.
| Period | Welcome offer | Spending requirement | Status and notes |
|---|---|---|---|
| 2025/08/12–2025/12/08 | $200 cash back + $100 travel credit ($300 total)+$100 credit | $500 in the first 3 months | Autumn/winter limited-time promotion: earn $200 cash back after $500 spending in the first 3 months after opening, plus a $100 Capital One Travel credit used in the first cardmember year under the then-applicable terms, for $300 in total potential value. |
| 2025/12/09–2026/06/08 | $200 cash back | $500 in the first 3 months | Return to the standard offer: earn $200 cash back after $500 spending in the first 3 months after opening. |
| 2026/06/09–2026/08/10 | $250 cash back (summer limited-time offer) | $500 in the first 3 months | Summer limited-time offer (63 days): the spending requirement remains $500 and welcome cash back increases to $250. |
| 2026/08/11–present (browsing as of )Original record: 2026/08/11–presentCurrent record | $200 cash back | $500 in the first 3 months | Source-recorded public standard offer: earn $200 cash back after $500 spending in the first 3 months after opening (estimated value $200). |
Card features and benefits
- 3% Cash Back on Dining & EntertainmentEarn 3% cash back on eligible dining and entertainment purchases, as determined by merchant category codes (MCCs). Restaurants inside hotels or department stores and some food trucks may not be classified as dining. General entertainment bonuses exclude golf courses, country-club memberships, intercollegiate sporting events categorized as colleges, charitable organizations providing live entertainment, amusement-park tickets purchased through third-party websites, and packages categorized as travel or hotels. Eligible purchases outside bonus categories earn 1%.
- 3% Cash Back at Grocery Stores & Popular StreamingEarn 3% on eligible grocery-store purchases and popular music/video streaming services. Grocery bonuses exclude superstores such as Walmart and Target, as well as grocery purchases at gas stations, convenience stores, warehouse clubs, discount stores and their affiliated grocery stores. These eligible general purchases earn 1%. Streaming exclusions include Verizon FIOS On Demand, audiobook subscriptions and fitness programming. Eligibility depends on merchant classification and payment processing; third-party payments may not earn bonus rewards.
- 8% Cash Back on Capital One EntertainmentEarn 8% cash back on eligible tickets purchased with an eligible Capital One rewards card through the Capital One Entertainment ticketing platform. Cardholder-exclusive presales and tickets purchased directly through Capital One Hall or Capital One Arena ticketing services are excluded. Rewards are reversed if eligible purchases are canceled or returned.
- Annual Fee: $0 · No Foreign Transaction FeesThe annual fee is $0, with no foreign transaction fee. Other charges apply: cash advances cost the greater of $5 or 5% per transaction and accrue interest from the transaction date at a variable 28.49% APR. Late-payment fees are up to $40. No annual or foreign transaction fee does not mean no interest, balance-transfer fee or other account charges.
- 0% Intro APR for 12 MonthsPurchases and balance transfers receive a 0% introductory APR for the first 12 months after account opening. Afterward, a variable APR of 18.49%, 24.49% or 28.49% applies based on creditworthiness and changes with the Prime Rate. Transfers posted in the first 12 months have a 3% fee. A later transfer under another promotional APR offer has a 4% fee; after the introductory period, a transfer at the standard purchase APR has a 0% transfer fee. Transfer requests may be submitted only after 10 days from opening, remain subject to bank approval and cannot transfer balances from another Capital One account. Cash advances do not qualify for this promotional APR. Check the actual application terms.
- 5% Cash Back on Capital One TravelEarn 5% cash back on eligible hotels, vacation rentals and rental cars booked through Capital One Travel. This rate does not apply to all travel spending or to flights.
- 1% Cash Back on All Other PurchasesEarn 1% cash back on other eligible general purchases. Rewards are based on net purchases after refunds and credits. Cash advances, balance transfers and checks used to access the account are not purchases and earn no rewards. There is no overall cap on rewards from eligible purchases, and rewards do not expire while the account remains open. Unredeemed rewards may be lost if the account is closed or is not in good standing, and redemption options may be restricted. Statement credits, checks and other permitted redemptions are subject to program rules; other redemption methods may have different values and conditions.
Additional cardholder and network benefits
- Hertz Five Star® StatusEligible primary cardholders, authorized users and account managers age 21 or older must enroll in Hertz Five Star through the dedicated link in the Capital One account Benefits section. Ordinary Hertz enrollment does not automatically provide the upgrade. Participating locations may offer a one-class vehicle upgrade subject to availability; upgrades are not guaranteed. Rental eligibility is governed separately by Hertz terms. Membership is not rental-car insurance.
- 50% off Handcrafted Beverages at Capital One CafésPay with a Capital One credit or debit card accepted at the location to receive 50% off eligible handcrafted beverages at Capital One Cafés. Where applicable, the offer is limited to one per person and available while supplies last. Food and beverages are supplied by third parties; the discount does not cover every product or unlimited drinks.
- Capital One Travel Price Match GuaranteeAfter an eligible flight, hotel or rental-car booking through Capital One Travel, finding a lower publicly available price for the same eligible itinerary or booking within 24 hours allows an application for a travel credit for the difference under Capital One Travel Price Match terms.
- Rental protection eligibility (depends on card network and account)The Savor product name alone does not determine rental coverage. Identify the Visa, Mastercard or Discover network and account type from the card or statement, then consult the applicable benefits guide. Rental coverage or claim payment is not promised for every version.
- Travel and purchase benefit eligibility (depends on card network and account)Travel coverage, extended warranty and purchase protection depend on the Cardholder Benefits Guide applicable to the actual account. Coverage from one network cannot be applied to all Savor cardholders. Check the applicable guide for covered events, payment requirements and exclusions.