Savor Rewards
The Savor Rewards from Capital One earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Madeen may earn compensation from some apply links. Affiliate disclosure
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Savor Rewards earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 3% back | 3% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 3% back | 3% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Savor Rewards reward caps and conditions?
The Savor Rewards has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn unlimited 3% cash back on dining
- Earn unlimited 3% cash back at grocery stores
- Earn unlimited 3% cash back on popular streaming services
Who should get the Savor Rewards?
The Savor Rewards fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Capital One Savor Rewards is a practical no-annual-fee pick for dining, entertainment, and grocery spend when merchant coding cooperates. Madeen compares its effective rate against category specialists and flat-rate cards without bank login.
Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
A strong no-fee everyday card for food and fun spend; confirm coding on your merchants before you rely on it alone.
Pros
- Broad dining, entertainment, and grocery earn with no annual fee
- Simple fallback for live events, streaming, and everyday food spend
Cons
- Merchant category coding decides whether tickets, apps, or studios qualify
- Lower ceiling than heavy category or premium dining cards
Does the Savor Rewards have an annual fee, and what's the welcome bonus?
The Savor Rewards has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from.
- Annual fee
- $0
- Foreign transaction fee
- None
- Signup bonus
- Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
What benefits come with the Savor Rewards?
The Savor Rewards includes Capital One Dining, Capital One Entertainment, Capital One Travel in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Capital One Dining
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
- Capital One Entertainment
Enjoy access to can't-miss events while earning 8% cash back on Capital One Entertainment purchases with your SavorOne Card.
- Capital One Travel
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
- Complimentary Concierge Service
Enjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
- CreditWise®
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
- Extended Warranty
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Common questions about the Savor Rewards
Does the Savor Rewards have an annual fee?
The Savor Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Savor Rewards?
Dining is the strongest Madeen category for the Savor Rewards at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Savor Rewards charge foreign transaction fees?
The Savor Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Savor Rewards welcome bonus?
The Savor Rewards welcome offer in our snapshot: Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the.
What credit score do you need for the Savor Rewards?
Madeen's catalog lists a typical credit range of Excellent for the Savor Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Savor Rewards?
Rewards on the Savor Rewards post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Savor Rewards compare to similar cards?
Compare the Savor Rewards against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Savor Rewards This card | Dining | 3% | $0 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Related Madeen guides
Related cards
Issuer links
Madeen may earn compensation from some apply links. Compensation may affect which offers are available, but it does not control recommendations for cards you have already added to your wallet. Affiliate disclosure
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.