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$200 cash bonusCapital One's offer, as shown on Capital One's own site (Oct 8, 2026)The no-fee grocery-and-dining card. $500 in spend is a week of groceries for most families, and 3% on food with no cap beats most $95 cards' effective rate once you remember the fee. Easy approval tier too.
People who want cash back on food without an annual fee or categories to activate. Approval tier is friendlier than most cards here.
| Welcome bonus | $200 cash bonus |
|---|---|
| Spend requirement | $500 in the first 3 months |
| Annual fee | $0 |
| APR | 0% intro APR on purchases and balance transfers for 12 months, then 18.74%–28.74% variable |
| Earns | cash back |
| Network | Mastercard |
| Checked | Oct 8, 2026 on Capital One's site |
Verified: Capital One's Savor page, Oct 8, 2026: “Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.” $0 annual fee. Source: capitalone.com. Offers change; the issuer's page is final.
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No. Savor has no annual fee and no foreign transaction fee.
Answered by StackTheDealDining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart and Target), plus 8% on Capital One Entertainment tickets. Everything else is 1%.
Answered by StackTheDealThe Savor is the renamed SavorOne. Capital One's rule is no bonus if you've received a Savor or SavorOne bonus in the last 48 months.
Answered by StackTheDealUsually yes, so expect up to three hard inquiries.
Answered by StackTheDealOnce you spend $500 in 3 months it typically posts within one or two statements.
Answered by StackTheDealYes. Savor cash back can convert to Venture miles if you also hold a Venture, Venture X or Spark Miles card, making the 3% categories worth even more on travel.
Answered by StackTheDeal
The easiest premium card to justify: $300 travel credit + 10,000 anniversary miles ≈ $400 back on a $395 fee, so you're holding a lounge card for about nothing.
This is unusually generous for a $95 card — the $300 credit is on top of the normal 75k, so you're looking at a four-figure first year for a sub-$100 fee.
$750 for $0 fee is the quiet star of this list.
Questions about this offer?
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