Capital One Savor Cash Rewards Credit Card
A no-fee dining and grocery card — the honest benchmark any fee-charging dining card has to beat.
- Annual fee
- $0
- Why it matters
- Sets the zero-fee floor for dining rewards
- The decision
- A fee dining card must beat this card by more than its fee
Fits
People with real restaurant spend who don't want to manage a coupon book.
Doesn't fit
Heavy travellers who'd get more from transferable points on the same spend.
What changed on this card
Documented changes only. If we haven't verified it against the issuer's own terms, it isn't on this timeline.
- Better for you
Capital One renamed SavorOne to Savor and stopped offering the $95 annual-fee Savor to new applicants
The dining benchmark is now a no-fee card. Any dining card charging a fee has to beat this one by more than the fee — that comparison got harder, not easier.
What's the answer for this card?
What we checked
- 1Capital One Savor — rewards terms and categories
Capital One — Published fee and dining, grocery, and entertainment earn rates.
- 2Issue spotlight: credit card rewards
Consumer Financial Protection Bureau — Federal analysis of how rewards, credits, and devaluations work in practice.