Card details · Capital One
Savor Rewards from Capital One review: fees, rewards and APR
The Savor Rewards from Capital One is a credit card from Capital One with a $0 annual fee. By our overall score it ranks #129 of the 242 credit cards we rank (store-only cards excluded), and #14 of 20 Capital One cards. It is listed in our grocery, dining, cash back and 0% intro APR rankings.
Key facts
- Issuer
- Capital One
- Network
- Mastercard
- Annual fee
- $0
- Welcome offer
- Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- Intro APR
- purchases 12 months · balance transfers 12 months
- Ongoing APR
- 18.74% - 28.74% variable APR
- Balance transfer fee
- Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
- Our overall score
- 56 (#129 of 242 cards)
Sign-up bonus history
Below the highest offer we’ve tracked ($250)
- Current offer
- $200
Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening - Highest tracked since April 2026
- $250
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening - Lowest tracked since April 2026
- $200
Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening - Changes tracked
- 2
Show each tracked change
| Date | Headline amount | Offer as recorded |
|---|---|---|
| Apr 22, 2026 | $200 | $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you sp… |
| Jun 16, 2026 | $250 | For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening |
| Aug 11, 2026 | $200 | Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- Unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services
- 1% cash back on all other purchases
Benefits and notes
$100 credit to use toward flights, stays and rental cars booked through Capital One Travel during your first cardholder year
Intro APR and balance transfers
0% intro APR on purchases for 12 months. 0% intro APR on balance transfers for 12 months. Balance transfer fee: Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
Balance transfer fee: Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
Ongoing APR: 18.74% - 28.74% variable APR
Where it ranks
- Overall: #129 of 242 cards (score 56)
- Capital One credit cards: #14 of 20
- Grocery cards: #16 of 56 by our grocery score
- Dining cards: #17 of 64 by our dining score
- Cash back cards: #29 of 69 by our cash back score
- 0% intro APR cards: #37 of 46 by our 0% intro APR score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Capital One’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Savor Rewards from Capital One?
$0, as stored in our database. Confirm the current fee on Capital One’s site.
Does the Savor Rewards from Capital One have a welcome bonus?
Our database lists this offer: Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening Offers change often and terms apply.
Does the Savor Rewards from Capital One have a 0% intro APR?
Our database lists: 0% intro APR on purchases for 12 months. 0% intro APR on balance transfers for 12 months. Balance transfer fee: Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time. Terms apply.
How does the Savor Rewards from Capital One rank on YourBestCards?
#129 of 242 cards by our overall score (56). In our category lists: #16 of 56 grocery cards; #17 of 64 dining cards; #29 of 69 cash back cards; #37 of 46 0% intro APR cards.
What is the highest Savor Rewards from Capital One sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is $250 and the lowest is $200, across 2 changes. The current offer is $200. This only covers the period we have tracked; terms apply.
Other top Capital One cards
- 1.5% cash back on all purchases
- 5% on Capital One Travel hotels/rentals
- Annual fee
- $0
- Annual fee
- $0
- No rewards
- Annual fee
- $0
- #4
Venture X Business
Score 74- Unlimited 2X miles
- 5X on hotels/rentals, flights through Capital One Business Travel
- Annual fee
- $395
- Welcome offer
- Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening
- #5
Venture Business
Score 72- 5X miles on travel such as hotels, vacation rentals, and rental cars booked through Capital One Business Travel
- unlimited 2X miles on every purchase for your business.
- Annual fee
- $95
- Welcome offer
- Earn 100,000 when you spend $10,000 in the first 3 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.