Capital One’s 3% Cash Back Dining Card Evolves Into Super ‘Savor’
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In August 2018, Capital One overhauled the Savor card with new benefits and added an annual fee; at the same time, it introduced a no-annual-fee version (dubbed the SavorOne). So the details in this story are out of date. In 2024, Capital One stopped accepting applications for the annual-fee Savor card entirely, then rebranded the no-annual-fee SavorOne card with the "Savor" name. See our review of the current version of the Savor card for full details.
Capital One’s newest credit card is serving up a large helping of dining rewards — hold the annual fee.
Today, the issuer launched the Capital One Savor Cash Rewards Credit Card, a no-annual-fee card that offers generous ongoing rewards for people who like to dine out or in:
3% unlimited cash back on dining
2% unlimited cash back at grocery stores
1% unlimited cash on all other purchases
If those reward rates sound familiar, that's because they're the same as on the Capital One® Premier Dining Rewards Credit Card, which launched in March. Mark Mattern, vice president of U.S. cards at Capital One, says the Savor card represents the next evolution of the Premier Dining Rewards card.
In addition to the clever new name — it sounds like "saver" — the new product offers benefits that the earlier card lacked:
An introductory 0% APR period.
A larger sign-up bonus. The sign-up bonus on the Capital One® Premier Dining Rewards Credit Card was worth $100.
Contactless technology. This feature, which is also available on some of Capital One’s other cards, allows you to pay just by tapping your card on the card reader — no dipping or swiping required. The Capital One® Premier Dining Rewards Credit Card didn’t offer this.
"We’re really excited about the product,” Mattern says. “We listen to our customers and what they’re passionate about, and the concept of food as a vehicle for shared experiences came up repeatedly."
If you currently have the Capital One Premier Dining Rewards credit card, he notes, you’ll eventually be switched over to the Capital One Savor Cash Rewards Credit Card — although not right away.
It’s devilishly hard to find a card that comes with robust dining rewards, no annual fee and no spending caps. If you dine out on the regular and want to earn more rewards without paying extra, the Capital One Savor Cash Rewards Credit Card is one of your best options.
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