Capital One
Savor Rewards
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $512
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Capital One Savor Rewards can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending. The welcome bonus adds roughly $200 in the first year.
The fine print
- Intro APR
- 0% for the first 12 months
- Regular APR
- 18.74% to 28.74% variable
- Foreign fee
- None
- Rewards paid as
- Cash back
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 3% cash back on dining and entertainment
- 5% on hotels and rental cars booked through Capital One Travel
- 1% on all other purchases
Sign-up bonus
$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
- Thin or new credit files
Trade-offs: Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 12 months
- Regular APR
- 18.74% to 28.74% variable
- Balance transfer fee
- Balance transfer fee applies
- $1200/mo on everyday spending earns about $144/year (1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Savor Rewards: questions people ask
Is the Capital One Savor Rewards worth it?
With no annual fee, the Capital One Savor Rewards can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending. The welcome bonus adds roughly $200 in the first year.
What is the Capital One Savor Rewards annual fee?
The Capital One Savor Rewards has no annual fee ($0).
What is the Capital One Savor Rewards welcome bonus?
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. We value it at about $200. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Capital One Savor Rewards earn?
3% cash back on dining and entertainment. 5% on hotels and rental cars booked through Capital One Travel. 1% on all other purchases.
What credit score do you need for the Capital One Savor Rewards?
The issuer recommends excellent credit. Checking your matches on CardFit never runs a credit check.
Does the Capital One Savor Rewards charge foreign transaction fees?
No. The Capital One Savor Rewards has no foreign transaction fee.
Does the Capital One Savor Rewards have a 0% intro APR?
0% for the first 12 months. After that the regular APR is 18.74% to 28.74% variable.
Compare Savor Rewards
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Capital One product page. Terms change often; confirm them with the issuer before you apply.