| Category | Rate | Type | Cap |
|---|---|---|---|
|
Capital One Entertainment
Earn 8% cash back on qualifying purchases made through the Capital One Entertainment ticketing platform only; excludes pre-sales, Capital One Hall or Arena ticketing, and Capital One Dining reservations.
|
8x | Cash Back | No cap |
|
Hotels, Vacation Rentals, and Rental Cars via Capital One Travel
Earn unlimited 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel. Does not apply to bookings made directly with hotels or rental car companies.
|
5x | Cash Back | No cap |
|
Grocery Stores
Earn unlimited 3% cash back at grocery stores, excluding superstores like Walmart® and Target®.
|
3x | Cash Back | No cap |
|
Dining
Earn unlimited 3% cash back on dining purchases including restaurants, cafes, bars, lounges, fast-food chains, and bakeries.
|
3x | Cash Back | No cap |
|
Entertainment
Earn unlimited 3% cash back on entertainment purchases including movie theaters, sports promoters, amusement parks, tourist attractions, aquariums, zoos, and bowling alleys. Excludes golf courses, collegiate events, and digital streaming and membership services.
|
3x | Cash Back | No cap |
|
Popular Streaming Services
Earn unlimited 3% cash back on eligible music and video streaming services including Netflix, Hulu, and Disney+. Excludes Verizon FIOS On Demand, audiobook subscriptions, and fitness programming.
|
3x | Cash Back | No cap |
|
All Other Purchases
Earn unlimited 1% cash back on all other purchases not covered by a higher bonus category. Cash advances and balance transfers do not earn cash back.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Intro APR on Balance Transfers
0% introductory APR on balance transfers for 12 months from account opening; 18.49%–28.49% variable APR after that; balance transfer fee applies.
|
Financial | 0% for 12 months |
|
0% Intro APR on Purchases
0% introductory APR on purchases for 12 months from account opening; 18.49%–28.49% variable APR after that.
|
Financial | 0% for 12 months |
|
No Annual Fee
No annual fee charged for this card, keeping the cost of ownership at $0 for cardholders who pay their balance in full each month.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
No fees charged on purchases made outside the United States or in a foreign currency.
|
Financial | 0% foreign transaction fee |
|
Auto Rental Collision Damage Waiver
Secondary coverage for damage or theft of an eligible rental car when the full rental is paid with the card and the rental company's insurance is declined.
|
Insurance | Complimentary (secondary coverage) |
|
Extended Warranty Protection
Extends the original manufacturer's warranty by one additional year on eligible purchases made with the card that have a manufacturer's warranty.
|
Insurance | +1 year on eligible warranties |
|
Lost Luggage Reimbursement
Provides reimbursement for lost or damaged luggage when the common carrier fare is paid with the card; supplemental to any compensation provided by the carrier.
|
Insurance | Complimentary |
|
Travel Accident Insurance
Provides automatic coverage for accidental death or dismemberment when traveling on a common carrier fare paid with the card.
|
Insurance | Complimentary |
|
Capital One Café Discount
Cardholders receive 50% off all handcrafted beverages at any Capital One Café nationwide.
|
Lifestyle | 50% off beverages |
|
Capital One Dining Access
Access to exclusive dining reservations and culinary events at curated restaurants reserved for Capital One cardholders through Capital One Dining.
|
Lifestyle | Complimentary access |
|
Capital One Entertainment Access
Access to cardholder-exclusive VIP packages, pre-sales, and tickets to events across music, sports, dining, and theater through Capital One Entertainment.
|
Lifestyle | Complimentary access |
|
Capital One Mobile App
Full-featured mobile app for viewing balances, making payments, monitoring rewards, managing subscriptions, setting account alerts, and accessing Eno virtual assistant.
|
Other | Complimentary |
|
CreditWise Credit Monitoring
Free access to CreditWise from Capital One, providing credit score tracking, credit report monitoring via TransUnion and Experian, and dark web monitoring.
|
Other | Complimentary |
|
Base Cash Back on All Other Purchases
Earn unlimited 1% cash back on all purchases not covered by a higher bonus category, with no cap and no expiration.
|
Rewards | 1% cash back |
|
Cash Back Convertible to Capital One Miles
When paired with an eligible Capital One miles-earning card (e.g., Venture or Venture X), Savor cash back can be converted to Capital One miles at a 1:1 ratio, enabling transfers to 15+ airline and hotel loyalty programs.
|
Rewards | 1:1 conversion to Capital One miles |
|
Cash Back Never Expires
Rewards do not expire for the life of the account and there is no minimum redemption amount required.
|
Rewards | No expiration |
|
Cash Back on Capital One Entertainment
Earn 8% cash back on qualifying purchases made through the Capital One Entertainment ticketing platform only, plus access to cardholder-exclusive events and perks.
|
Rewards | 8% cash back |
|
Cash Back on Dining
Earn unlimited 3% cash back on dining purchases including restaurants, cafes, bars, lounges, fast-food chains, and bakeries.
|
Rewards | 3% cash back |
|
Cash Back on Entertainment
Earn unlimited 3% cash back on entertainment purchases including movie theaters, sports promoters, amusement parks, tourist attractions, aquariums, zoos, and bowling alleys; excludes golf courses and collegiate events.
|
Rewards | 3% cash back |
|
Cash Back on Grocery Stores
Earn unlimited 3% cash back at grocery stores, excluding superstores such as Walmart® and Target®.
|
Rewards | 3% cash back |
|
Cash Back on Hotels, Vacation Rentals, and Rental Cars via Capital One Travel
Earn unlimited 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel.
|
Rewards | 5% cash back |
|
Cash Back on Popular Streaming Services
Earn unlimited 3% cash back on eligible music and video streaming services including Netflix, Hulu, and Disney+; excludes fitness programming, audiobook subscriptions, and Verizon FIOS On Demand.
|
Rewards | 3% cash back |
|
Cash Back Redemption Flexibility
Rewards can be redeemed for statement credits, checks, gift cards, Amazon.com purchases, PayPal checkout, Capital One Travel bookings, or Capital One Entertainment purchases with no minimum redemption amount.
|
Rewards | No minimum redemption |
|
Welcome Bonus
Earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. Applied to rewards balance within 2 billing cycles of qualifying. Existing or previous cardmembers who received a Savor bonus within the past 48 months are not eligible.
|
Rewards |
$200 cash bonus
Up to $200
|
|
$0 Fraud Liability
Cardholders are not responsible for unauthorized charges if the card is lost or stolen.
|
Security | $0 liability |
|
Card Lock
Cardholders can instantly lock and unlock their card via the Capital One Mobile app if it is misplaced, lost, or stolen.
|
Security | Complimentary |
|
Security Alerts
Capital One notifies cardholders via text, email, or phone if potentially suspicious activity is detected on the account.
|
Security | Complimentary |
|
Virtual Card Numbers (Eno)
Capital One's Eno virtual assistant allows cardholders to generate virtual card numbers for safer online shopping, protecting the actual card number from data breaches.
|
Security | Complimentary |
|
Capital One Shopping
Free browser extension that automatically applies coupon codes at checkout and alerts cardholders to price drops on items viewed or purchased.
|
Shopping | Complimentary |
|
24-Hour Travel Assistance Services
Around-the-clock travel assistance including emergency card replacement and emergency cash advance if the card is lost or stolen while traveling.
|
Travel | Complimentary |
|
Capital One Travel Access
Access to Capital One's online travel booking portal for flights, hotels, vacation rentals, rental cars, and activities with price prediction tools, free price drop protection, and a price match guarantee.
|
Travel | Complimentary access |
|
Capital One Travel Price Drop Protection
If you book a flight when Capital One Travel recommends it and the price drops within 10 days, you receive up to $50 in travel credit for the difference.
|
Travel |
Up to $50 per booking
Up to $50
|
|
Capital One Travel Price Match Guarantee
Notify Capital One within 24 hours of booking an eligible flight, hotel, or rental car and receive a travel credit for the difference if a lower price is found.
|
Travel | Complimentary |
