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Capital One Savor Cash Rewards for Good Credit

Capital One Savor Cash Rewards for Good Credit
Capital OneCash BackNo annual fee
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on Capital One's website

Annual Fee
$0
Welcome offer
No current welcome offer

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Pros & Cons

Pros

  • +Up to 3x on groceries
  • +No annual fee

Cons

  • –No purchase protection

Rewards

All Spending

1x

Cash Back pts per dollar

Groceries

3x

Cash Back pts per dollar

Restaurants

3x

Cash Back pts per dollar

Entertainment

3x

Cash Back pts per dollar

Streaming

3x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢3¢
Groceries3x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants3x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming3x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

56,400

Cash Back/yr

Estimated Value

$564

After Fees

+$564

1st Year Value

$564

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 3x25,200 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 3x10,800 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 3x3,600 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.88x
Total points earned56,400 pts
Value of points accumulated in the first year≈ $564

Additional Benefits

$0 annual fee. Rewards do not expire for the life of the account, and you can redeem cash back for any amount. No foreign transaction fees on purchases made outside of the United States.

Terms & Conditions

Card Features

  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards
  • Cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • No foreign transaction fee
  • No annual fee
  • You’re covered by $0 Fraud Liability for unauthorized charges

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.