Card benefits change often, and this page may be out of date by the time you read it. Always check the bank’s page and your card’s guide to benefits for the current terms before you rely on a benefit.
The Savor is Capital One’s no-annual-fee dining and grocery card: 3% back at restaurants, grocery stores (not superstores), entertainment and popular streaming, 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, 8% on Capital One Entertainment, and 1% on everything else.
On its own it’s a solid cash-back card, but the bigger reason to get it is that its cash back can become transferable Capital One miles if you also hold a Venture or Venture X. Below is how it earns, the current offer, what’s covered, and my verdict.
Capital One Savor at a glance
- Annual fee: $0
- Current public offer: $250 cash bonus after $500 in purchases in the first 3 months (as of October 14, 2026, per Doctor of Credit)
- Is it the best ever?: It beats the $200 offer that ended in June 2026, but sources disagree right now: Capital One’s own page and Frequent Miler show $200, so the $250 may depend on the link you apply through. I wouldn’t call it the best ever.
- Foreign transaction fee: None
- Best for: Anyone who spends a lot on dining, groceries and entertainment and wants no annual fee, and especially Venture X or Venture cardholders who can turn the cash back into miles.
- Skip it if: Most of your grocery spending is at Walmart or Target (superstores don’t earn 3%), or you want a single card for everything (1% on other purchases is weak).
- Bank’s page: Savor on capitalone.com
Jump to: Highlights · Earning · Perks · Insurance · Application rules · My take · The catch · Keep it? · Offer history · Quick Answers
The highlights
- 3% at grocery stores (superstores like Walmart and Target excluded), dining, entertainment and popular streaming; no caps
- 5% on hotels, vacation rentals and rental cars booked through Capital One Travel; 8% on Capital One Entertainment; 1% elsewhere
- Cash back can be moved to a Venture, VentureOne or Venture X account as miles (1 cent = 1 mile), which makes it transferable
- No annual fee; 0% intro APR for 12 months on purchases and balance transfers
- Hertz Five Star status, concierge and 50% off drinks at Capital One Cafés
- Travel accident insurance and extended warranty; no foreign transaction fees
How it earns
| Category | Rate | Caps and fine print |
|---|---|---|
| Capital One Entertainment | 8% | Tickets on the Capital One Entertainment platform |
| Hotels, vacation rentals and rental cars through Capital One Travel | 5% | No cap; flights earn 1% |
| Dining | 3% | Restaurants, cafes, bars, lounges, fast food and bakeries; food inside hotels or grocery stores may not count |
| Grocery stores | 3% | Superstores like Walmart and Target excluded |
| Entertainment | 3% | Movie theaters, sports and theater promoters, amusement parks, zoos, aquariums and more; golf, collegiate sports and memberships excluded |
| Popular streaming services | 3% | Netflix, Hulu, Disney+ and similar; audiobooks, fitness programming and Verizon FIOS On Demand excluded |
| Everything else | 1% | No cap |
Purchases through third-party payment accounts or mobile wallets may not earn the higher rates. Cash back doesn’t expire while the account is open and can be redeemed in any amount. If you also have a Venture, VentureOne or Venture X, you can move the cash back to that account as miles at 1 cent = 1 mile (per Frequent Miler and One Mile at a Time in 2026; Capital One’s Savor page doesn’t mention it, so confirm in your account), and those miles transfer to airlines and hotels (my transfer partners guide).
Perks
- Hertz Five Star status: a free status upgrade that lets you skip the counter at select locations and choose from a wider selection of cars.
- Capital One Travel price match within 24 hours on eligible flights, hotels and rental cars, and the option to pay with rewards, the card or both.
- Capital One Entertainment access (cardholder events and tickets) at 8% back.
- 24/7 concierge service, and 50% off handcrafted drinks at Capital One Cafés.
- Redeem rewards at Amazon.com and with PayPal (usually a worse value than a statement credit, so I wouldn’t).
- Card network: Capital One’s page lists the Savor as a Mastercard, but Capital One’s Discover-network guide to benefits (effective February 1, 2026) also lists the Savor, and TheStreet reports new Savor cards are being issued on Discover. Discover is less widely accepted abroad than Mastercard, so check which logo your card has before relying on it overseas.
Insurance and protections
| Benefit | What the bank says |
|---|---|
| Travel accident insurance | Listed on the card page; up to $1,000,000 when the entire fare is charged to the card per the Discover-network guide |
| Extended warranty | Listed on the card page; the Discover-network guide doubles warranties of 2 years or less, adding up to 1 year |
| Trip cancellation / interruption | Not on the Savor page. The Discover-network guide that lists the Savor has up to $1,500 per person One-way and award tickets: If your card has it, the guide requires the entire trip cost charged to the card or paid with Capital One rewards, so paying only award taxes may not count; it doesn’t require a round trip. |
| Baggage delay | Not on the Savor page. The Discover-network guide has up to $100 a day for 3 days after a 4-hour delay One-way and award tickets: If your card has it, yes to both: a portion of the cost on the card or paid with its rewards counts, and one-ways are fine. |
| Lost luggage | Not on the Savor page. The Discover-network guide has up to $3,000 per trip on trips of 5 to 60 days One-way and award tickets: If your card has it, yes to both, same rule as baggage delay. |
| Trip delay | None One-way and award tickets: Not applicable. |
| Auto rental collision damage waiver | Not on the Savor page (the Discover-network guide has secondary coverage, primary abroad) |
| Cell phone protection | None |
Capital One’s Savor page only lists travel accident insurance, extended warranty, travel assistance and concierge. Capital One’s Discover-network guide (effective February 1, 2026) lists the Savor alongside the Venture and Quicksilver, but says eligibility is set by the issuer, so treat the extra travel coverages as possible rather than promised and check your own guide to benefits.
For how this compares with other cards, see my card travel benefits comparison.
Application rules for this card
- The bonus isn’t available to existing or previous Savor cardmembers who received a new cardmember bonus on this card in the past 48 months.
- Capital One usually lets you hold at most 2 personal Capital One cards, and generally approves one new card every 6 months, so a Savor can take the slot you might want for a Venture X.
- Capital One pulls all three credit bureaus for every application (details).
The full rules for every bank are in my credit card application rules guide.
My take
Nothing to dislike at $0: 3% on dining, groceries, entertainment and streaming with no caps is a strong no-fee lineup, and the $500 spend for the bonus is one of the lowest around. The real fee is zero, so the only question is whether it earns more than what you’d otherwise use.
The real reason to get it, in my eyes, is the pairing with a Venture X. Moving the cash back to the Venture X turns 3% cash back into 3 transferable miles per dollar on those categories, which is usually worth more than 3 cents.
Just keep in mind Capital One’s two-card limit: if you only get two, a Venture X plus a Savor is a strong pair, but it means no room for anything else from Capital One.
The catch
1% on everything outside the bonus categories is weak, and superstores like Walmart and Target don’t count as groceries. The bonus is small, and it’s $250 or $200 depending on where you look.
The miles conversion depends on also holding a Venture-family card, and it isn’t on Capital One’s Savor page, so confirm it works in your account before counting on it. New cards may be on the Discover network, which is less widely accepted abroad.
Keep it after year one?
The fee is $0, so the real fee is $0 and there’s no reason to close it as long as you use it. It’s a strong no-fee everyday card, especially paired with a Venture X, and keeping it open helps your credit history.
Offer history
| Offer | Ended |
|---|---|
| $200 after $500 in 3 months | 2026-06 |
Quick Answers
No. The Savor has no annual fee as of October 2026.
As of October 14, 2026 Doctor of Credit lists $250 after $500 in purchases in the first 3 months. Capital One’s own page and Frequent Miler show $200, so the amount may depend on the link.
No. Capital One excludes superstores like Walmart and Target from the 3% grocery category.
Yes, if you also have a Venture, VentureOne or Venture X: you can move the rewards to that account at 1 cent = 1 mile, per Frequent Miler and One Mile at a Time (2026). It only works in that direction.
No. Capital One charges no foreign transaction fees on the Savor.
Last checked: October 14, 2026. Card terms change often, so confirm on the bank’s page before you apply. There are no affiliate or referral links on this site, ever; links go to the bank’s own page.