Capital One Savor
No annual fee · 1% on everything else · no foreign transaction fees
Terms verified 2026-08-21 against issuer terms
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 3% 3.0¢ per $1 |
uncapped |
| Dining | 3% 3.0¢ per $1 |
uncapped |
| Entertainment | 3% 3.0¢ per $1 |
uncapped |
| Streaming | 3% 3.0¢ per $1 |
uncapped |
| Everything else | 1% 1.0¢ per $1 |
uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5% | uncapped |
Non-cash perks
- No foreign transaction fees
- Cash back doesn't expire for life of account
- Free authorized users
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5%, pays only on travel booked through the issuer's travel portal. The same booking made anywhere else earns its base 1%, so the headline number is a portal rate rather than a category rate — which is why no ranking on this site counts it.
Compared head-to-head
- Capital One Savor vs Chase Freedom Unlimited — which earns more?
- Capital One Savor vs Chase Freedom Flex — which earns more?
- Capital One Savor vs American Express Gold Card — which earns more?
- Capital One Savor vs Citi Double Cash® Card — which earns more?
- Capital One Savor vs Capital One Venture X — which earns more?
- Capital One Savor vs Instacart Mastercard — which earns more?
- Capital One Savor vs U.S. Bank Altitude Connect Visa Signature Card — which earns more?
- Capital One Savor vs Everyday Rewards+ (Elan) — which earns more?
- Capital One Savor vs Chase Freedom Flex vs Blue Cash Everyday Card from American Express — all three side by side
- Blue Cash Preferred Card from American Express vs Capital One Savor vs Blue Cash Everyday Card from American Express — all three side by side
- U.S. Bank Altitude Go Visa Signature Card vs Capital One Savor vs Blue Cash Everyday Card from American Express — all three side by side
More from Capital One
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.capitalone.com. Spot an error? Tell us.