Capital One Savor: 3% Back on Dining & Groceries, $0 Annual Fee Review 2026
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
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Your card estimate
Net first-year value
First year
+$500
Rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
SwitchWize take
Cash-back optimizer
Bonus value
$200
Everyday rewards
1% cash back
Up to 8% in some categories
Annual fee
$0
APR
18.74% to 28.74%
Quick summary
What this card is, in plain words
Capital One Savor: 3% Back on Dining & Groceries, $0 Annual Fee has no annual fee and a variable purchase APR of 18.74% to 28.74%. It earns 1% cash back on everything else, and more on 7 categories (the highest is 8% cash back on Capital One entertainment). It charges no foreign transaction fee.
What to consider
- The APR is 18.74% to 28.74% and it can change. Interest on a carried balance is usually larger than the rewards.
Pros & cons
- No annual fee
- Sign-up bonus worth $200
- No foreign transaction fee
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- None
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Capital one entertainment
8% cash back
Hotels
5% cash back
Travel
5% cash back
Dining
3% cash back
Groceries
3% cash back
Streaming
3% cash back
Entertainment
3% cash back
Everything else
1% cash back
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- Extended Warranty Protection (cardmember year)
- Travel Accident Insurance (per trip)
- Zero Fraud Liability (cardmember year)
Perks and credits
- Capital One Café Handcrafted Beverage Discount
- Capital One Entertainment Cash Back
- Capital One Travel Cash Back
- Complimentary Concierge Service (cardmember year)
- Emergency Card Replacement and Cash Advance
- Hertz Five Star® Status (cardmember year)
- Rewards Don't Expire
- Travel Price Match Credit (per trip)
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
18.74%-28.74% variable
Verify spend requirement
Capital One terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
- Not published by the issuer on its card page.
- How many cards you can open
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the Capital One Savor: 3% Back on Dining & Groceries, $0 Annual Fee?
The Capital One Savor: 3% Back on Dining & Groceries, $0 Annual Fee has no annual fee, according to Capital One's page checked Nov 13, 2026.
Does the Capital One Savor: 3% Back on Dining & Groceries, $0 Annual Fee charge foreign transaction fees?
No. Capital One lists no foreign transaction fee for the Capital One Savor: 3% Back on Dining & Groceries, $0 Annual Fee.
How do I earn rewards with the Capital One Savor: 3% Back on Dining & Groceries, $0 Annual Fee?
8% cash back on Capital One entertainment; 5% cash back on hotels; 5% cash back on travel; 3% cash back on dining; 3% cash back on groceries.
What is the APR on the Capital One Savor: 3% Back on Dining & Groceries, $0 Annual Fee?
The purchase APR is 18.74% to 28.74%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR, Earning rates, Benefits and protections
https://www.capitalone.com/credit-cards/savor/ · checked Nov 13, 2026
Earning rates
https://www.capitalone.com/credit-cards/ · checked Jun 21, 2026
We could not verify the balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Capital One Savor: 3% Back on Dining & Groceries, $0 Annual Fee worth it?
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term