Capital One Savor Cash Rewards
$200 welcome bonus · 5% on hotels & car rentals (via portal) · $0 annual fee
The Savor earns 3% cash back across dining, entertainment, streaming, and groceries with no annual fee, which covers a big share of most household budgets in one card. Entertainment bookings through Capital One Entertainment earn 8%, and hotels and rental cars through Capital One Travel earn 5%. The signup bonus was recently trimmed from $250 to $200 after $500 in spending within 3 months, still a low bar, and a 12-month 0% intro APR on purchases and balance transfers is a useful extra. The tradeoff is the 1% rate on everything else, so pair it with a strong flat-rate card for non-category spending. No foreign transaction fee rounds it out for travel.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels & Car Rentals (via Portal) | 5% |
Entertainment Also 8% on Capital One Entertainment | 3% |
Dining | 3% |
Groceries | 3% |
Streaming | 3% |
Everything Else | 1% |
Card details
Regular APR | 18.49%–28.49% variable |
Intro APR on purchases | 0% for 12 months |
Intro APR on balance transfers | 0% for 12 months |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Capital One Savor Cash RewardsBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.