CardPolo
US
Capital One
Capital One Savor
🇺🇸 United States · Capital One

Capital One Savor

Foodies on a no-fee card, restaurants, delivery, streaming, groceries

4.4 / 5
Joining fee
$0
Annual fee
$0
Top reward
3%
Min income
None stated
Apply at Capital One← Back to all cards

External link to Capital One’s own application page.

The Capital One Savor has no annual fee. It earns 3% on dining and 1% on everything else. Forex markup is 0%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much Capital One Savor actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$324
Annual feeNo fee
Welcome bonus (year 1 only)+$200
Cumulative net value
+$1,820
over 5 years
Year 1
$524
+$524/yr
Year 2
$848
+$324/yr
Year 3
$1,172
+$324/yr
Year 4
$1,496
+$324/yr
Year 5
$1,820
+$324/yr
Year 1 (with bonus)
$524
Year 2+ (steady state)
$324/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the Capital One Savor earn?

What you earn back, by category.

dining
3%
📈
shopping
3%
📈
Everything else
1%
📈
🎁
Welcome bonus

$200 cash bonus after $500 spend in first 3 months

What do you get with the Capital One Savor?

  • 3% cashback on dining and food delivery
  • 3% on entertainment (concerts, sports, streaming)
  • 3% on grocery stores (excludes Walmart, Target)
  • 1% on everything else
  • No annual fee, no foreign transaction fees
  • 8% on Capital One Entertainment bookings

Who qualifies for the Capital One Savor?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
No stated requirement
Min credit score
670+
Self-employed
Eligible

Capital One Savor FAQ

›What is the Capital One Savor annual fee?

The Capital One Savor has no annual fee.

›What does the Capital One Savor earn?

It earns 3% on dining and 1% on everything else.

›What is the Capital One Savor forex markup?

The Capital One Savor charges 0% forex markup on foreign-currency spends.

›What income do you need for the Capital One Savor?

Capital One publishes no minimum income requirement for this card; approval rests on your credit profile.

›What is the Capital One Savor welcome bonus?

$200 cash bonus after $500 spend in first 3 months.

›Are these Capital One Savor figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.

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