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Capital One Savor: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 73.9% across 78 cards. Issuer page ↗

Downsides first

• APR up to 28.74% if you carry a balance
• Late fee up to $40
• Grocery 3% excludes superstores like Walmart/Target per issuer terms.

Terms & fees

• IssuerCapital One
• Typecash back
• Annual fee$0 capitalone.com, 2026-10-11
• Regular purchase APR18.74%–28.74% variable capitalone.com, 2026-10-11
• Rewards3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% other capitalone.com, 2026-10-11
• Sign-up bonus (≈$)$200 $200 after $500 in 3 months capitalone.com, 2026-10-11
• Intro APR12 months 0% intro APR 12 months on purchases and balance transfers capitalone.com, 2026-10-11
• Foreign transaction feenone capitalone.com, 2026-10-11
• Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
• Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
• Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
• Cash advance fee5% files.consumerfinance.gov, 2025-12-31
• Credit neededExcellent capitalone.com, 2026-10-11
• Grace period25 days files.consumerfinance.gov, 2025-12-31
• Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
• CFPB survey APR (2025-12-31)18.74%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Complaint record (CFPB)

• Complaints, last 12 months33,730
• Trend▲ 5.2% (last 12 mo 33,730 vs prior 12 mo 32,048)
• Timely response (last 36 mo)100.0%
• Per $1B deposits (12 mo)65.8
• Top issueIncorrect information on your report
• Insurance statusFDIC-insured: Capital One, National Association (cert 4297, active; deposits $512.6B as of 06/30/2026)

Company-level (CAPITAL ONE FINANCIAL CORPORATION), all products, as of 2026-10-12. Capital One complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 (as of 2026-10-11). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 6.0/10Base 1% on everything, top category 5% (as of 2026-10-11; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% other
• Sign-up bonus 2.7/10Bonus ≈ $200: $200 after $500 in 3 months (as of 2026-10-11). Score = value/$75, max 10.
• Intro 0% APR 5.7/100% intro APR 12 months on purchases and balance transfers (as of 2026-10-11). Score = months/21×10.
• Regular APR 7.3/1018.74%–28.74% variable (as of 2026-10-11); midpoint 23.74%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 10.0/10No foreign transaction fee (as of 2026-10-11).
• Regulatory record (CFPB) 10.0/10Issuer Capital One: Base 10, 0 CFPB 2025-01 (dismissed)

0.143×10.0 + 0.143×6.0 + 0.143×2.7 + 0.143×5.7 + 0.143×7.3 + 0.143×10.0 + 0.143×10.0 = 7.39 → 73.9%

Is Capital One Savor worth it? (break-even math) →Value for my spending →

Compare with

Capital One Savor vs Chase Freedom Unlimited · Capital One Savor vs Chase Freedom Flex · Capital One Savor vs Citi Double Cash · Capital One Savor vs Wells Fargo Active Cash · Capital One Savor vs Capital One Quicksilver · Capital One Savor vs Discover it Cash Back

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

What is the Capital One Savor annual fee?

$0

What is the Capital One Savor APR?

18.74%–28.74% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.