Capital One Savor Rewards
Dining and entertainment spending, with no annual fee to earn back.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
Capital One Entertainment purchases | 8% |
Hotels and rental cars booked through Capital One Travel | 5% |
Dining, entertainment, streaming and grocery stores | 3% |
All other purchases | 1% |
Welcome bonus
$250 cash bonus after $500 of spending in the first 3 months.
Requirement: $500 in 3 months
Perks
- 0% intro APR on purchases for 12 months
- 0% intro APR on balance transfers for 12 months, balance transfer fee applies
- Good to excellent credit, roughly 690 and above
Frequently asked questions
Is the Capital One Savor Rewards worth it?
It has no annual fee. It's best suited to dining and entertainment spending, with no annual fee to earn back. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Capital One Savor Rewards earn?
It earns 8% on capital one entertainment purchases, 5% on hotels and rental cars booked through capital one travel and 3% on dining, entertainment, streaming and grocery stores.
What credit score do you need for the Capital One Savor Rewards?
We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Capital One Savor Rewards Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/capital-one-savor, updated August 2026.
- Capital One published product page and cardholder agreement