Who it's for
Cash backMore rewards dining outMore rewards at grocery storesNo annual fee
Capital One Savor
Best no-fee card for dining + groceries + entertainment. The 8% Capital One Entertainment rate is unique — useful when concert/event tickets are listed at face value. Rebranded from the original $95 Savor in 2024.
$896/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 3x | $400/mo |
| Groceries | 3x | $600/mo |
| Flights & hotels | 2.6x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 3x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- 8% cash back on Capital One Entertainment purchases
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 3% cash back at grocery stores (excluding Walmart and Target), restaurants, entertainment, and popular streaming services
- 1% cash back on all other purchases
- $0 annual fee, no foreign transaction fees
- Grocery rate excludes superstores like Walmart and Target
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