Capital One
Capital One Savor
Capital One Savor costs No annual fee and earns up to 3× on dining. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Capital One Savor returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 3× dining
- Points value
- 1¢ a point
- Cash back value.
- Welcome bonus
- $200
- Foreign transaction fee
- none
What the Capital One Savor earns
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
Dining
3×
U.S. supermarkets
3×
Streaming
3×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
| Dining | 3× | |
| U.S. supermarkets | 3× | |
| Streaming | 3× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Capital One Savor right for you?
Enter a typical month. You will see what the Capital One Savor returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Chase Freedom Unlimited Top for your numbers
3× dining, 3× drugstores; 1× everything else. No annual fee.
Rewards $459 · No annual fee
+$459
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
+$376
How we estimate
- Every rate on this page comes from the card catalog. Capital One Savor pays 1× on spending outside the bonus categories listed above, and up to 3× on dining.
- We value this card's points at 1¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"capital-one-savor","name":"Capital One Savor","fee":0,"cpp":0.01,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["groceries"],"rate":3},{"inputs":["streaming"],"rate":3}]},{"key":"capital-one-savor-student","name":"Capital One Savor Student","fee":0,"cpp":0.01,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["groceries"],"rate":3},{"inputs":["streaming"],"rate":3}]},{"key":"chase-freedom-rise","name":"Chase Freedom Rise","fee":0,"cpp":0.01,"base":1.5,"credits":25},{"key":"chase-freedom-unlimited","name":"Chase Freedom Unlimited","fee":0,"cpp":0.01,"base":1.5,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["drugstores"],"rate":3}],"credits":40}]}What comes with it
Welcome bonus
$200
Points and partners
Cash Back
No
Where this data came from
Checked capitalone.com 2026-10-05. The card was repriced to a $0 annual fee and its categories rebalanced: 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% on groceries, dining, entertainment and streaming, 1x other. The row previously charged $95, paid 4% on dining, and treated streaming as a 1x purchase. $200 bonus after $500 in 3 months and no foreign transaction fee are unchanged.
FAQ
The Capital One Savor has no annual fee, so the only thing that matters is what it earns. Its best rate is 3× on dining.
3× on dining, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $0 means about $0 a month on dining, where it earns 2¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is $200, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply.
No. The Capital One Savor earns Cash Back that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 1¢ a point.
No. The Capital One Savor charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.