Capital One Savor

Earn a $200 cash bonus after spending $500 in the first 3 months of account opening. The bonus is paid once and credited to your account automatically after you hit the spending threshold.

Earn 10% cash back on Uber rides and Uber Eats orders placed in the U.S. Simply pay with your Savor card at checkout in the Uber or Uber Eats app to earn the elevated rate.

Earn 8% cash back on tickets and purchases made through the Capital One Entertainment ticketing platform. This elevated rate only applies to purchases completed on that platform, not at venues or other ticketing sites.

Earn unlimited 5% cash back on hotels, vacation rentals, and rental cars. To get this rate, you must book through the Capital One Travel portal — bookings made directly with travel providers earn the standard rate instead.

Earn unlimited 3% cash back on dining, grocery stores, entertainment, and popular streaming services. This rate applies automatically whenever you use your card in these categories — no activation required.

Earn unlimited 1% cash back on every purchase that doesn't fall into a higher-earning category. Rewards never expire as long as your account remains open, so there's no rush to redeem.

Get up to $50 in travel credit if a flight you booked drops in price within 10 days of booking. This protection applies when you book at the time Capital One recommends in the Travel portal. The credit is issued automatically — no claim needed.

Purchases made outside the United States are not subject to any foreign transaction fees. Use your card abroad and pay only the price of what you buy, with no extra percentage tacked on by the issuer.

Holding the Savor card costs $0 per year, every year. No annual fee means you keep all the cash back you earn without offsetting a yearly charge.

Get 50% off coffee drinks at Capital One Café locations in the U.S. Pay with your Savor card at the café counter and the discount applies automatically. Capital One Cafés are available in select U.S. cities.

New cardholders pay 0% APR on both purchases and balance transfers for the first 12 months after opening the account. After that period, a variable APR of 18.49%–28.49% kicks in. Note that a balance transfer fee still applies to any balances moved over.