Capital One Savor

CardMath coverage focuses on cash-back category definitions, exclusions, and how category earning compares with a flat-rate baseline under the same spending assumptions.

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Verified product data

Current facts in the source-of-truth

Verified 2026-10-04

Annual fee: $0
Rewards: Unlimited 3% cash back at grocery stores (excluding superstores such as Walmart and Target), dining, and entertainment; 1% on all other purchases.
Welcome offer: $200 cash bonus after $500 in purchases within the first 3 months from account opening.
APR / fee notes: 0% intro APR for 12 months on purchases and balance transfers; then 18.74%–28.74% variable APR. Balance-transfer fee applies. Cash advance fee: $5 or 5%, whichever is greater. Foreign transaction fees: none.

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What CardMath examines

The math and rules

Dining, grocery, entertainment, and streaming definitions
Exclusions in the current Capital One guide
Cash-back framing for this product

CardMath method