Skip to navigationSkip to main contentADVERTISEMENTSome offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.JJess UllrichUpdated Mon, June 15, 2026 at 8:07 PM GMT+2 5 min readIf you want generous rewards on select travel purchases and at grocery stores and restaurants, the Capital One Savor Cash Rewards Credit Card could be a good fit. Not only does this card offer impressively high rewards, but it also comes with other perks, including no annual fee. It's a great option for travelers, foodies, or those who spend often at the grocery store.Here's what to know about this card's features, perks, and drawbacks to help you decide if it's right for your wallet.Capital One Savor Cash Rewards card overviewAnnual fee$0Welcome offerFor a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account openingCard type(s)Cash-back, RewardsPurchase APR18.49% - 28.49% variableIntroductory APR0% intro APR on purchases and balance transfers for 12 months, then variable 18.49% - 28.49% APRRecommended credit scoreGood, ExcellentRewards rate8% cash back on Capital One Entertainment purchases5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)1% cash back on all other purchasesBenefitsGenerous intro APR on purchases and balance transfers for the first 12 monthsNo foreign transaction feesAdditional benefitsBesides the above perks, you'll also get other benefits with this card, including the following:No foreign transaction fees: You won't need to worry about added fees when you use your card to make purchases abroad.Extended warranty coverage: As a card member, you'll get two-year extended warranty protection on eligible purchases.Travel accident insurance: This card comes with built-in travel accident insurance, so you're protected against certain covered losses on trips.Concierge service: Capital One's 24-hour concierge service can help you book tickets, make reservations at restaurants, and assist with travel arrangements.Emergency card replacement: Emergency card replacement and cash advances are also available if your card is lost or stolen.How to earn rewardsYou earn at least 1% cash back on eligible purchases made with your Capital One Savor Cash Rewards Credit Card. However, transactions like cash advances, balance transfers, and credit card checks don't earn rewards.Capital One offers a higher cash-back rate in several popular purchase categories, including grocery stores, dining, and entertainment. That said, certain purchases, including those made at big-box stores, convenience stores, warehouse clubs, and some food trucks, may not be coded as grocery store or dining purchases. Likewise, certain entertainment purchases may not be coded as such, including some amusement park tickets.See also: Best rewards credit cardsHow to redeem rewardsYou can redeem your cash-back earnings in several ways, including statement credits, checks, gift cards, and credits for select purchases made through third-party sites like Amazon.Capital One lets you redeem your rewards manually whenever you want or automatically redeem them by setting a specific timeframe or threshold amount for redemption in your online dashboard. For instance, you might opt to redeem your rewards once a year or when your balance reaches $500.Who is the Capital One Savor Cash Rewards Card best for?The Savor Cash Rewards Card is a good choice if you frequently make purchases at grocery stores, restaurants, and on entertainment. It could also be a good choice if you often make bookings through Capital One Travel. Making purchases in those categories will help you maximize your cash-back earnings with this card.Likewise, if you're looking for a card with no annual fee and a welcome offer, this card could fit the bill. It also offers a generous intro APR, making it a suitable choice if you have a large purchase coming up or want to transfer a balance from another card.Capital One Savor Cash Rewards Card prosHigh earnings in popular spending categories: You'll get lucrative rewards in common spending categories, including grocery stores, restaurants, and entertainment, with this card.Access to Capital One-specific perks: Cardholders get access to perks like advance ticket purchases through Capital One Entertainment and discounts through Capital One Shopping.Helpful security features: Get helpful security features like virtual card numbers to protect your physical card's information, security and account alerts, $0 fraud liability, and the option to lock your card remotely if it's lost or stolen.Credit report tracking: Capital One lets you track your Experian and TransUnion credit reports through its CreditWise tool.Capital One Savor Cash Rewards Card consLimited rewards for travel bookings: You'll only get a high rewards rate on qualifying bookings made through Capital One Travel. There are no increased rewards for direct travel bookings or those made through third-party sites.Superstore spending doesn't qualify for high rewards: You won't earn increased rewards for grocery purchases made at stores like Target or Walmart.Excellent credit might be needed: Capital One indicates you might need an excellent credit score to qualify for this card.Where can you use the Capital One Savor Cash Rewards Card?The Savor Cash Rewards Card is a Mastercard, which means you can use it anywhere Mastercard is accepted. You can make purchases with a Mastercard in 210 countries and territories worldwide.How to make a Capital One Savor Cash Rewards Credit Card paymentOnline by logging into your Capital One accountThrough the Capital One mobile appBy mail:Capital OneAttn: Payment ProcessingPO Box 71087Charlotte, NC 28272-1087By phone: 1-800-CAPITAL (227-4825)In-person at a local Capital One bank branchCapital One Savor Cash Rewards Credit Card customer service infoIf you have questions about your card, you can call Capital One's customer service team at 1-877-383-4802. Representatives are available to help seven days a week, from 8 a.m. to 11 p.m. EST.For urgent requests outside of working hours, you can reach an automated 24-hour help service by calling 1-800-655-2265.Alternative cards to considerThe Capital One Savor Cash Rewards Card has many perks, but it isn't the right choice for everyone. Consider these other rewards cards, too.Annual fee$0Welcome offerEarn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account openingIntroductory APR0% intro APR on purchases and balance transfers for 15 months, then variable 18.49% - 28.49% APRPurchase APR18.49% - 28.49% variableRewards rate5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel1.5% cash back on all other purchasesBenefitsGenerous intro APR on purchases and balance transfersNo foreign transaction feesWhy we like it: If you prefer earning flat-rate cash back on all your purchases, the Quicksilver Cash Rewards Card could be a fit. With this card, you'll get 1.5% cash back on all eligible spending, so you won't need to worry about tracking bonus categories to maximize your rewards.Read our full review of the Capital One Quicksilver Cash RewardsAnnual fee$95Welcome offerEarn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travelPurchase APR19.49% - 28.49% variableRewards rate5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel2x miles on all other purchasesBenefitsReceive up to a $120 statement credit for Global Entry or TSA Precheck® application feesReceive a $50 experience credit, room upgrades, and early check-in at eligible hotelsAccess Hertz's Five Star membership tier, offering free upgrades, a wider selection of vehicles, and moreWhy we like it: Those interested in earning rewards on travel purchases will appreciate what the Venture Rewards Card offers. You can earn miles on hotels, vacation and car rentals, and 2x miles on all other purchases.Read our full review of the Capital One Venture Rewards Credit CardAnnual fee$95Welcome offerEarn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account openingOngoing Purchases APR19.24% - 27.49% VariableRewards rate5x points on travel purchased through Chase Travel℠3x points on dining, vacation homes, gas & EV charging, top streaming services, and online groceries (excluding Walmart, Target, and wholesale clubs)2x points on all other travel purchases1x points on all other purchasesBenefitsComplimentary DashPass with $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27, plus a $10 promo each month on non-restaurant ordersEarn up to $100 in statement credits each account anniversary year for hotel stays through Chase TravelReceive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck®, or NEXUS applicationWhy we like it: The Chase Sapphire Preferred Card is another great option if you're interested in earning travel rewards. Cardholders get 5X points on travel booked through Chase; 3X points on restaurant, online grocery stores, and qualifying streaming service purchases; 2X points on other travel bookings; and 1X points on everything else. This card also has a $95 annual fee.Read our full review of the Chase Sapphire PreferredThis article was edited by Alicia HahnEditorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to the author(s) and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank's website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.