Foodies
CAPITAL ONE
Capital One Savor
Capital One Savor is built for people who spend on going out: 4% back on dining, entertainment and popular streaming, 3% at grocery stores, and zero foreign transaction fees for the traveler-foodie combo.
Updated July 2026Best for: Diners, concert-goers and travelers who eat out abroad.
Capital One
Capital One Savor
•••• •••• •••• 2026
Cashback callout
4%
Top cash back rate
Dining, entertainment, streaming
$300
Bonus
$95
Annual fee
19.99–29.99% variable
APR
Welcome bonus: After spending $3,000 in first 3 months. Intro: No intro APR offer.
Every category, every rate.
| Category | Rate | Notes |
|---|---|---|
| Dining | 4% | — |
| Entertainment & popular streaming | 4% | — |
| Grocery stores | 3% | — |
| All other purchases | 1% | — |
Pros
- +4% on dining, entertainment, streaming
- +3% at grocery stores
- +No foreign transaction fees
Cons
- −$95 annual fee
- −1% base rate on non-bonus spend
- −Requires good-to-excellent credit
The fine print.
- Annual fee: $95
- Purchase APR: 19.99%–29.99% variable
- No foreign transaction fee
- No intro APR on purchases
Rates, fees and offer terms shown are illustrative and change frequently. Always confirm current terms on the issuer's site before applying.
If dining and entertainment lead your spending, the Savor's 4% categories usually crush the annual fee within a few months.