Capital One
Savor Rewards for Good Credit from Capital One
Unlimited 3% cash back at grocery stores, dining, entertainment, and streaming services, plus 1% on everything else with no annual fee.
Annual fee
None
Top rate
3x groceries
Quick look
Unlimited 3% Cash Back
on groceries, dining, entertainment and streaming
3.5
out of 5
Rewards
Fees
Welcome bonus
Perks
Value
Overall score is a weighted average: Rewards 20% · Fees 20% · Welcome bonus 20% · Perks 20% · Value 20%.
Ideal for
Everyday cash-back seekers with good credit who prioritize simplicity and spend heavily on dining and groceries. Skip this if a sign-up bonus or travel perks are must-haves.
The verdict
This is a straightforward no-fee card designed for everyday cash-back seekers who spend significantly on dining and groceries. The 3% cash back in these categories ranks respectably against the broader catalog (13th for groceries, 17th for dining), and crucially, you're earning them without paying an annual fee—something premium alternatives force you to subsidize. The real appeal is simplicity: no categories to memorize, no spending caps, no enrollment required. The downside is that the card punches well below market weight on everything else (1% ranks 56th), and it lacks the welcome bonus many competitors throw in. Best for streamlined reward-seekers; skip it if you want a sign-up bonus or earn heavily outside its bonus categories.
The high variable APR (29.49%) isn't a deal-breaker for those who pay in full monthly, but it's a red flag if you carry a balance.
Pros
- No annual fee with 3% cash back on groceries and dining—a strong combination for everyday spending
- Rewards never expire as long as the account remains open, and Capital One reports to all three credit bureaus to build credit
- No foreign transaction fees make this card safe for international travel
Cons
- No welcome bonus—competitors in the no-fee space offer $100+ sign-up bonuses or perks like DashPass
- Weak 1% base rate on non-bonus purchases; most competing cards offer higher flat rates or more bonus categories
- High variable APR of 29.49% (above the market average of 22.80%) applies if you carry a balance
Reward rates
| Category | Rate | Details |
|---|---|---|
| Groceries | 3x | Unlimited 3% cash back at grocery stores |
| Dining & restaurants | 3x | Unlimited 3% cash back on dining |
| Streaming | 3x | Unlimited 3% cash back on popular streaming services |
| Everything else | 1x | 1% cash back on all other purchases |
The Savor's three 3% categories cover the most common household spending. Grocery and dining earnings alone can generate $100–$300 annually for moderate spenders ($150–$300/month combined). Streaming rewards are a tiebreaker—4th-best in the catalog—so they're genuinely useful, not window dressing. The 1% base rate on everything else is the card's weakness; it ranks 56th in the catalog, meaning most cards beat it. But because there's no annual fee, you don't need the base rate to work hard; it just needs to exist.
Fees and APR
Does it pay for itself?
The $0 fee is the card's anchor. No-fee cards are rare with 3% rewards—most flat-rate alternatives either charge $95+ or offer weaker rates everywhere. This card's value proposition is straightforward: it asks nothing upfront, then earns modest but consistent rewards on your actual spending. Whether it pays for itself depends entirely on your mix; $3,000 annual spend across bonus categories yields $90 in cash back, which is profit on a zero-cost card.
Similar cards
Same issuer, same 3% earning rates, but includes a $100 sign-up bonus—the better pick if you can meet spending minimums
Also no annual fee with 3% grocery rewards, but the Amex includes up to $200 cash back after $2,000 spend in six months
Frequently asked questions
Does the Savor have a sign-up bonus?
No, this card does not include a welcome bonus. However, Capital One offers the Savor Rewards for Students variant with a $100 sign-up bonus after you spend $500 in purchases within three months. If welcome bonuses are a priority, that variant or competitors like the DoorDash Rewards card may be better fits.
Can I use this card internationally?
Yes. The card has no foreign transaction fees, making it safe for travel abroad. However, unlike premium travel cards, it doesn't include travel insurance, trip delay reimbursement, or travel accident insurance—check your primary card or a separate travel policy for those protections.
Will this card help build my credit?
Yes. Capital One reports your account activity to all three major credit bureaus (Experian, Equifax, TransUnion), so on-time payments and responsible use will build your credit history and improve your score over time.
How does this compare to other no-fee cash back cards?
The Savor's advantage is its 3% rates on dining and groceries without an annual fee—most competitors either charge $95+ or offer only 1–2% on everyday purchases. The trade-off: the 1% base rate on everything else ranks below average, so it's a specialist card, not an everyday card. If you need flexibility, the Bank of America Customized Cash Rewards card lets you pick your bonus categories.
Reviewed by YoungerFinance Editorial · Last updated August 11, 2026