Capital One · Cash back · Visa/Mastercard
Capital One Savor Cash Rewards: what it's really worth
The Capital One Savor Cash Rewards has a no annual fee. For a typical household spending $2,070 a month, it's worth about $650 in year one and $450 each year after.
Annual fee$0
Sign-up bonus$200$200 after $500 in 3 mo
Net value · year 1$650
Net value · each year after$450
Is the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 3% | 3.0¢ | $108 |
| Groceries | 3% | 3.0¢ | $180 |
| Hotels | 1% | 1.0¢ | $10 |
| Flights | 1% | 1.0¢ | $12 |
| Gas | 1% | 1.0¢ | $18 |
| Streaming | 3% | 3.0¢ | $14 |
| Everything else | 1% | 1.0¢ | $108 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 3% on dining, entertainment, popular streaming and groceries (not superstores like Walmart/Target).
Who it's for
- Food and fun spending with no annual fee
- Travel abroad — no foreign fees
- Not ideal: Big spenders on gas or travel
Can I get it?
- Recommended credit: Good
- Capital One rules: Generally approves about one new Capital One card every 6 months. Bonuses may be limited if you've had the card in the last 48 months.
- Visa/Mastercard: Capital One issues this card on either Visa or Mastercard — check the logo on yours. Both are accepted almost everywhere, but Costco warehouses take only Visa.
Check the current offer at Capital One
Similar cards
Chase Freedom Unlimited$627 year 1 · $0 feeWells Fargo Active Cash$697 year 1 · $0 feeCiti Double Cash$697 year 1 · $0 feeCapital One Quicksilver$573 year 1 · $0 fee
Updated Oct 30, 2026.