Chase Freedom Flex
chase
4.5 / 5
- Welcome
- $250 cash
- Annual fee
- $0
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Capital One · savor
Capital One Savor Cash Rewards Credit Card
4.6 / 5
Cash back · Personal card
The best no-fee card for households that eat out and stream a lot. The grocery bonus is a meaningful upgrade over flat 2% cards.
At a glance
- Welcome bonus
- $200 cash
- Spend $500 in 3 months
- Annual fee
- $0
- Purchase APR
- 18.49% to 28.49%
- Intro: 0% for 12 months
- FX fee
- None
- BT intro: 0% for 12 months
Editorial
Our take
The best no-fee card for households that eat out and stream a lot. The grocery bonus is a meaningful upgrade over flat 2% cards.
Verdict
Pros & cons
Pros
- 3% on dining, groceries, entertainment, and streaming
- No foreign transaction fee
- 12 months 0% APR
- No annual fee
Cons
- Excludes superstore groceries (Walmart, Target)
- Capital One Travel is narrower than competitors
- No phone protection
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Dining, entertainment & streaming | 3% | Unlimited 3% on dining, entertainment, popular streaming, and grocery stores excluding superstores. |
| Groceries | 3% | At most grocery stores, excluding superstores like Walmart and Target. |
| Hotels & rentals via Capital One Travel | 5% | Hotels and rental cars booked through Capital One Travel. |
| All other purchases | 1% |
Benefits
Key benefits
3% on dining, groceries, entertainment, streaming
Unlimited cash back on everyday spending categories, no rotation or activation required.
No foreign transaction fee
Spend abroad without the surcharge most cash-back cards add.
$0 annual fee
Keep it open year over year for free.
12 months 0% intro APR
0% intro APR on purchases and balance transfers for 12 months, then 18.49% to 28.49% variable.
Formerly SavorOne
Capital One renamed this no-fee 3%/5%/1% card Savor in October 2024. The SavorOne name was reused for a different $39-fee card built for fair credit, so the two should not be confused.
Fit
Who this is best for
- Households with heavy dining and grocery spend
- Streaming-heavy households
- Travelers who want a no-FX-fee everyday card
FAQ
Frequently asked questions
What is the Savor welcome bonus?
Earn a one-time $200 cash bonus after spending $500 on purchases within 3 months from account opening.
Does the Savor charge an annual fee?
No. The Savor has a $0 annual fee.
Does the Savor have a foreign transaction fee?
No. The Savor charges no foreign transaction fee, so it works well for international purchases.
Does the Savor offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 12 months on purchases. The ongoing purchase APR is 18.49% to 28.49% variable.
Who is the Savor best for?
Households with heavy dining and grocery spend. Streaming-heavy households. Travelers who want a no-FX-fee everyday card.
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Apply
Capital One Savor Cash Rewards Credit Card
Spend $500 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.