Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Capital One Savor Rewards is a no-annual-fee cash back card from Capital One. Its best everyday rates are 3% on dining, 3% on entertainment, and 3% on grocery stores; everything else earns 1%. The 8% rate applies only to entertainment booked through Capital One, so treat it as a bonus rather than the reason to apply.
On our reference budget of $24,600 a year it returns about $642, an effective 2.6% back. The welcome bonus, $250 after $500 in 3 months, is the strongest reason to open it in a given year.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
Earn unlimited 5% cash back on rental cars booked through Capital One Travel
Earn unlimited 3% cash back on dining
Earn unlimited 3% cash back on entertainment
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 3% cash back at grocery stores
Earn unlimited 5% cash back on hotels booked through Capital One Travel
Earn unlimited 3% cash back on popular streaming services
For a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
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.
Enjoy access to can't-miss events while earning 8% cash back on Capital One Entertainment purchases with your SavorOne Card.
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.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
These come from Mastercard, not from Capital One. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Savor RewardsThis card · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Venture RewardsCapital One's most-held other card · 2x on everything | $95 | $582 | +$487 | 294th of 1,291 |
| Savor Rewards for Good CreditThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 5th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
