Capital One Savor
No annual fee, earning Cash, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Capital One Savor is a no annual fee card from Capital One earning Cash. It earns 8x on entertainment(c1), 5x on hotel (c1travel), 3x on grocery and 1x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Capital One advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Entertainment(C1) | 8x | |
| Hotel (C1Travel) | 5x | |
| Grocery | 3x | |
| Dining | 3x | |
| Entertainment | 3x | |
| Streaming Service | 3x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| 50% off Handcrafted BeveragesCapital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide | Once a year | — |
| No Foreign Transaction FeesYou won't pay a transaction fee when making a purchase outside of the United States | Once a year | — |
| Complimentary Concierge ServiceEnjoy comprehensive, personalized assistance in dining, entertainment and travel—24 hours a day, 365 days a year | Once a year | — |
| CreditWise Credit MonitoringGet alerts when your TransUnion or Experian credit report changes | Once a year | — |
| Virtual Card NumbersPay for online purchases with virtual card numbers and keep your actual card number to yourself | Once a year | — |
| Capital One Entertainment AccessEnjoy access to can't-miss events while earning 8% cash back on Capital One Entertainment purchases with your Savor Card | Once a year | — |
| Capital One Travel Enhanced EarningEarn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel | Once a year | — |
Status and included memberships
- Capital One Dining Access — Make your next meal even more memorable with access to customer-only reservations at award-winning restaurants and tickets to curated culinary events
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Extended Warranty — You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card
- Travel Accident Insurance — Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare
Questions people ask about the Capital One Savor
What is the annual fee on the Capital One Savor?
The Capital One Savor has no annual fee.
What does the Capital One Savor earn?
8x on entertainment(c1), 5x on hotel (c1travel), 3x on grocery, 3x on dining, and 1x on everything else, in Cash.
Does the Capital One Savor charge foreign transaction fees?
No — the Capital One Savor has no foreign transaction fee.
Other Capital One cards
Capital One QuickSilver
Capital One Venture Business
