Capital One Savor Cash Rewards Credit Card: annual fee, APR and rewards

Fact sheet for the Capital One Savor Cash Rewards Credit Card, issued by Capital One, with no annual fee, an intro APR offer and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Capital One
Network	Mastercard
Annual fee	$0
Rewards	Cashback: Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases. Terms also list 8% on Capital One Entertainment purchases and 5% on hotels, vacation rentals and rental cars booked through Capital One Travel.
Purchase APR	0% intro APR for 12 months; 18.74% - 28.74% variable APR after that
Intro APR	0% intro APR for 12 months on purchases and balance transfers
Balance transfer fee	Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time.
Sign-up bonus	Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Foreign transaction fee	None
Credit level	Excellent

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 25.24%, with a range of 18.74% to 29.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.