Capital One
Savor Rewards for Good Credit
Estimated value every year on typical spending
$528/ year
Every year, after the annual fee. No welcome bonus.
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 for Good Credit can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $528 a year on typical spending.
The fine print
- Intro APR
- Not applicable
- Regular APR
- 29.24% variable
- Foreign fee
- None
- Rewards paid as
- Cash back
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- 3% cash back at grocery stores, on dining, entertainment and popular streaming services
- 1% cash back on all other purchases
Sign-up bonus
None
Best for
- Big spenders on groceries
- Keeping costs at $0
Not ideal for
- Frequent international travelers
Trade-offs: No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not applicable
- Regular APR
- 29.24% variable
- Balance transfer fee
- None
- $500/mo on groceries earns about $180/year (3%).
- $1200/mo on everyday spending earns about $144/year (1%).
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 for Good Credit: questions people ask
Is the Capital One Savor Rewards for Good Credit worth it?
With no annual fee, the Capital One Savor Rewards for Good Credit can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $528 a year on typical spending.
What is the Capital One Savor Rewards for Good Credit annual fee?
The Capital One Savor Rewards for Good Credit has no annual fee ($0).
What does the Capital One Savor Rewards for Good Credit earn?
3% cash back at grocery stores, on dining, entertainment and popular streaming services. 1% cash back on all other purchases.
What credit score do you need for the Capital One Savor Rewards for Good Credit?
The issuer recommends good credit. Checking your matches on CardFit never runs a credit check.
Does the Capital One Savor Rewards for Good Credit charge foreign transaction fees?
No. The Capital One Savor Rewards for Good Credit has no foreign transaction fee.
Compare Savor Rewards for Good Credit
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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.